Every time I see a TV commercial advertising paid help for student loan borrowers, I cringe. The reason these commercials bother me is that I have not yet found one that offered a service not already available from the US Department of Education - FREE OF CHARGE!!!
The deceptive advertising practices are also problematic. They use words like "national" in their ads to infer that they are affiliated with the US Government. There are some that illegally use college logos and mascots in their ads to infer that they are affiliated with colleges and universities.
Borrowers who are considering doing business with private companies that promise to lower monthly payments and otherwise help students would do well to contact the US Department of Education first to ask for help before handing over large amounts of money in fees and interest to private companies masquerading as affiliates of colleges and the government.