Hello. I'm new here. I did a search and didn't see anyone posting about this company. Has anyone heard of Student Loan Tutor? They help you strategize ways to lower your student loan payments legally. Supposedly they know the ins and outs of all the programs and can help people learn about ways to qualify for lower payments. I make a good income but I have tons of other debt, mostly medical, and just can't afford to make my student loan payments ($1,200/mo) but don't seem to qualify for any better options because of my income. Even though I'm taxed out the you know what and am living paycheck to paycheck. So, I'm curious to see if they can come up with anything to help me. You don't have to pay their fee until they actually do work for you. I can't find a single bad review on them, which makes me think the reviews might be phony. Has anyone here worked with them? Thanks!