If your student loan is in default and you want to get rehabilitation, just contact them directly. Don’t ever deal with anyone initiating a call to you offering to rehabilitate your student loans. 

They’ll charge you an exorbitant fee.

Red flag 1 – they call you. The legit company will not call you. You must initiate the call to them. 

Red flag 2 – they ask for your full SSN. The legit company will never ever do this.

Google “student loan rehabilitation” and look for the site that ends in .gov. 

It took me 3 calls to get to the collection company that owned my loan and then 30 minutes with them to get set up to get out of default. $5/mth for 9 months then will be based on income. NO FEE. 

In my case, scammer company’s fee was $597, broken down in payments, and made it sound like it’d go toward the repayment of my loan. I called to cancel it the next day. 

They took my money anyway. 

I called and told them I canceled it the next day and I wanted the payment reversed. She insisted there’s nothing she could do cos no record of call. I tried to remain calm and restated the date and time I called to cancel and that it was a voicemail there should be record of. She offered to reverse the charge minus a 25% “consultation fee.” I raised my voice (I might have lost it a little bit and slapped the table in time with my words), used her name, and strongly reiterated my side and the fact it wasn’t my fault if the CSR deleted that msg. She finally said she’d fully reverse the charge. We’ll see if I get the $119.40 back and if they take it out again.

Rip it, roll it, and punch it, dude. 

(She’s lucky I couldn’t punch her.)