They tell you they will get your student loans forgiven for 5 dollars a month for 240 months but then their revolving credit company charges you fifty dollars a month for them to consolidate your loans and nothing else. I already had my loans consolidated. My loan provider told me their claims were lies and they they cannot accomplish what they state to accomplish, and will not get your student loans forgiven. You can consolidate your loans and go on an income driven repayment plan for free with your student loan provider, it takes between 30 minutes to an hour.