After my loans were in default, a company allowed me to pay a fee and then transferred me to FedLoan Servicing, which is legit. FedLoan consolidated my loans and I'm on an income-based repayment plan. I work for a public service agency and my loans will be forgiven after paying for 10 years. Company will ask you to submit an employment verification form for you to enroll in the loan forgiveness program. Make sure the company is FedLoan Servicing, website is myfedloan.org. Hope this helps.