http://www.nationalstudentaidcenter.us/ that's the website they're sponsored and sourced and there a .us website so it's through the United States department. They ask for info on you but it's secure I haven't had a problem with then yet and now I get $0 a month, I had to pay a fee of $726 but it's broken up through 3 months and I don't have to pay my loans on top of it. It's a small fee compared to paying $20000 in loans over the next 20+ years