Solutions at ECMC. They are a debt collection company that attempts to "defer" or "forgive" student loan debt....for a substantial fee. This is a real company that will "try" to settle your student loan debt for pennies on the dollar....but you will be charged heavily for their services. Stay away at all costs. They can only work out a repayment plan for you, and you will be better served by dealing directly with your loan provider.
This company has never said a thing to me about repaying student loan debts. All they have ever said to me was to periodically update them on my situation, so they know to keep my balance as it is, and not have to pay anything at all. Not even the repayment of student loans. Not even once did they say I had to pay for their services, or repay any part of student loans. Never.