Chris is wrong, I too thought this was a scammer its someone trying to help with student loans, I figured they were the average give me your money or your in trouble collector. Nope they really did help I almost got my wages garnished which would have been almost $100 a week taken now I set up payments for $20 a MONTH. I'm not sure how these guys get such a bad name when they want to help. it's worth is to listen to them.