<prompt> Human: Today I got a rather generic letter from a company called Student Loan Division. The letter seems too good to be true, but is tempting nonetheless. Id appreciate a bit of a sanity check, at least.Ordinarily, I throw anything posted as Presorted Standard straight in the trash, as 99 of its all junk mail. However, this letter was marked Presorted 1st Class, which is why I opened it. Theres also some personal information in there, especially an accurate estimate? of what I owe.The letter advertises that new but vague legislation would allow me to get help with my student loans, including cushy refinancing deals and debt forgiveness. However, it also claims that this is my final notice, an I must contact them within a weeks time to take advantage of the offer.So, to summarize: Somewhat-vague letter, which lacks the immediately-obvious markers of junk mail, is claiming I can save a bajillion dollars on my accurately-stated balance, and is pressuring me to contact them. Am I right in being skeeved out? Or is this a legit thing that Ive never heard of?  <response>: They want you to refinance and they are going to charge you a substantial up-front rolled into the loan fee for the privilege.It can probably go right in the trash with everything else. 