Definitely something crooked here. I got a call and the guy says "you need to pay $700.00 per month on your student loan, I said that's kind of steep can I do $625.00-- he goes Okay that'll do. Start paying by the 25th of every month." No income check, no verification--Just said "Ok $625.00 per month. start paying." I think they bundle loans so you pay for yours and your neighbors- or whoever advised you or got you into this group. Crooks for sure. Read Casimir Chotkowski "Sicktowne" series of books on Amazon and Kindle to understand what is happening.