<prompt> Human: I received something in the mail about how I may be eligible for student loan repayment and possibly forgiveness. I dont make a lot of money very little and have been having a hard time keeping up with my loans done a terrible job.It was from a company called Accel Service Center LP. They told me they could take my 110,000 worth of student loan debt and get me into the pay as you earn program and I would be paying 8.08 for the next 240 months and then the loan would be forgiven. But they want me to pay 799 for the services. Is this right?Does anyone know anything about this website? Does anyone know if this is possible?Any and all advice is greatly appreciated.Edit: 240 months not years  <response>: It was from a company called Accel Service Center LP. They told me they could take my 110,000 worth of student loan debt and get me into the pay as you earn program and I would be paying 8.08 for the next 240 years and then the loan would be forgiven.Yes, that is called the REPAYE payment plan. 20 years of payments 240 months based on your income, then the remain balance is forgiven. It is a legitimate payment plan for federal loans.But they want me to pay 799 for the services. Is this right?It is free for you to change over to a REPAYE payment plan, or any of the other repayment plans. If thats what you want to do, contact the company that services your loans Naviant, FedLoan, GreatLakes, etc, and tell them you want to switch over to the REPAYE payment plan. Thats it. Youre done.You shouldnt pay someone 800 to make a phone call for you. Theyre taking advantage of the fact you dont know about your options. Be sure to do your loan exit counseling and become familiar with how federal student loan repayment works. 