I was given a number and i called, the person on the other end (*** ***) asked me a few questions which led her to my information through Fed Loans. She began to go over my student loans information and told me she needed my passwords to conduct the application process. We continued to talk and go over how they could forgive a large amount of my loans. To be exact it 41,000 that they were going to forgive for me and i had to send 3 payments of $181.67 and after it would be $39.00 a month until i had to renew my re-certification for the PAYE. So at this point it sound legit and we go over financial information and she gave me her information to submit pay stubs and other personal documents. After about an hour or two being on the phone we ended for the day. The next day i send in the documents she needed and with in a few days i was given the information that we went over in my email address. I pretty much was set and was approved to have this large amount of money cleared from my credit report. I have paid out so much money with in a year that its crazy. I spoke to a rep at Fed Loans named *** and she pretty much told me i was being scammed the same forms i filled out with Simmons and Miller they were charging me for i could have gotten off the Fed Loans website for free. This is a long process now to get my money back.