Great company. Truthful and transparent. They explained all the options and explained I could do this on my own for free. Most companies are not that transparent and clear.I do not have the time or patience to dela with the lenders. I rather have them do that on my behalf. One of the greatest things which they will do for me is to remind me every year when the reassessment is due so I can reapply for the programs. I did not know that if you don’t, you get kicked out of the programs and bye-bye to the savings! Just for that I am willing to pay the $599 they charged me. I am projected to save about $37,000 on the repayment of my $59,000 Federal Student Loans with much more affordable monthly payments that the plan I was under!