ATTENTION! WATCH OUT for theses scammers. First, they ILLEGALLY ask for your SSN and Birth date, so they can access the FAFSAA site and get your PIN, and all your student loan infirmation, which again, is FRAUD. This is followed by offering you lower payments, but at huge overall total amount repayment. This is for a " monthly maintenance fee" for something you can do yourself for Free. Do not do it!