This company calls and says they can get your student loan debt reduced. Of the 55 grand I owe I would only have to pay $6000. I just needed to make 4 monthly payments of $225 for their services ( taking care of the recertification paperwork) and then $20/month for the next 20 years. That money was to go towards my amount owed. Well that never happened. I got a letter from the real student loans saying I was behind on payments!! Stay away from this company!!!