Hi I am in the same boat. I have spent about 2.5 hrs on the phone between yesterday and today with a company that sounds similar. They are going to do income based repayment plan and enroll me in the forgiveness program because of the line of work I am in. They are only going to use my income (via pay stubs) and household size. They played with the numbers and are telling me my payments will go from $400 (with Nelnet) to $100 a month including their $40 monthly fee. They compared their services to that of an accountant. He said an accountant knows what deductions to make to get people their highest refund. He said they play with the numbers to make it legit and still lower everything immensely. Every question I asked him, he came back with an answer that made sense. So, I guess I too and hoping people who are involved with this type of thing let me know their experiences. Thanks!