<prompt> Human: You see the ads everywhere, promising student loan forgiveness or that Sallie Mae is repaying partial loans because of law suits. Is there a grain of truth to any of it?  <response>: These ads fall into three groups, to the best of my knowledge:1. Consolidation loans - they sell you a new loan and pay off your student loan. Normally the consolidation loan will be for a very long term at a high interest rate.2. Credit counseling - they read documents at ed.gov to you, for a fee.3. Class actions - call now and get your 7.50 because Sallie Mae did something illegal. 