<prompt> Human: I am currently buried in student debt. I have been hearing about student loan forgiveness and reduced payments. I was on the phone with a guy from Student Aid Center. It all seemed legitimate. I gave him some figures like the total amount I owe, my payment amount, my income, and my living situation. He put me on hold for a minute then came back with good news. He can reduce my payment to 90month for 300 months and then my loans will be forgiven. I just have to pay him 200 a month for five months so they can set it all up. Its a scam, right?  <response>: Yes and no. You can possibly get forgiveness depending on your situation, but you can do it all on your own. Paying him a cent is the scam. 