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Decisions you make now can save you from headaches later.

Don't be taken in by student loan debt relief companies. There's nothing they can do for you that you can't do yourself — for FREE!

Here's what you need to know.

  • Never pay an up-front fee. It's illegal for companies to charge you before they help you. If you pay upfront, you might not get any help — or your money back.
  • There's no such thing as fast loan forgiveness. Loan forgiveness programs have very specific requirements that most people won't qualify for.
  • Student loan debt relief companies can't wipe out your loans by disputing them.
  • Scamming companies may use U.S. Department of Education seals and logos that look legitimate, but they aren't. They may claim to have special access to certain repayment plan options — they don't.
  • You don't need to pay to have access to deferments, forbearances or other repayment plan options.
  • Don't sign or enter into an agreement that requires a monthly service fee. Legitimate student loan servicers don't charge for their services.
  • Don't give out your FSA ID. It can be used to get into your account and obtain personal information.
  • Contact your lender or servicer to learn what help is available to you.

ARC is here to help you with your student loan repayment needs. If you're having difficulties making your payment, our assistance is free.

For more information about any of our repayment plans, please visit our website or call us at 1-800-693-8220.

If you have federal loans, visit the U.S. Department of Education at for information.

Report a Scam

If you think you've responded to or been a victim of a scam, please contact the Federal Trade Commission and your state attorney general. Kentucky residents can report scams online at

Source: Federal Trade Commission - Consumer Information - Student Loans