Terrible customer service! All they want is your money. Is the 100% money back gaurentee is a lie! I paid them $230 and deicided I did not want to go through with them and stuck with navient. They claimed to save me money. But how? If i’m paying them $230 monthly and with navient i’m paying $60 a month? They claim in saving money because I have a $0 monthly payment towards my student loans. Bunch of scam artists!