I had a company called federated student loan services contact me. They are saying they can consolidated my loan, lower my payment and will show up that my loans on nelnet paid in full thru consolidation. I was told my payments would be for 300 months and what is left would be forgiven. My payments would be $41 plus 20 fee to them to monitor my account and a one time fee of $799 to start the process. Now I was told this was an IBR plan they are just more flexible than nelnet. Scam?