Initially this company, The Student Loan Help Center sent numerous texts and calls throughout the day. What they had to say in the regards for consolidating my student loan sounded appealing. I was able to ignore them for quite a while, one day though I listened to what this man had to say, told him my sad, single-mom story and this guy convinced me that this was the thing to do. For next to nothing I can reduce and consolidate my loan and I had better hurry before the next president took office. Well, what can I say I am, was naive and did n't even think this nice man named XXXX would want to deceive a poor, hard working single mom. Well I was wrong and quite stupid. At first it would only cost around {$200.00} to get the whole process going. I reiterated that I absolutely could not afford that much. Oh, well was n't he nice he talked to his " supervisor '' and had it lowered to {$100.00}. Not only did I give him this money I could not afford to give him, it was for naught, the services the company offers do not cost anything. I understand I was not educated enough about loan consolidation, yet what line is there when it come 's to ethical practice? The company has you sign and notarize a legally binding form, mistake XXXX. I have never been asked to do that for any similar service and am now terrified that because of that mistake, what little money I do make will now be taken from my paycheck, sent to debt collections ... After I realized how I had been completely swindled I cancelled my checking account. They ( student loan help center ) attempted to extract money from the account, when it would n't go through I received a call, stating that fact. When I told them I would n't be paying, and could not in any way afford to pay what they wanted, the man started shouting, shouting at me to pay. Pay. Pay. Pay. 
I realize I am also at fault, yet when this company has copies of my pay stubs, and see 's how much I make, they should understand, I ca n't afford their particular services and in general it would be a very bad idea to enlist me, given my small income and living situation. 
My greatest concern, this company can and send this issue to debt collections and I will end up bankrupt because of an unethical and swindling company. Their practices, costumer service and hiding the truth advertising can get alot of folks like myself in more financial trouble than we already are. Not to mention the stress they bring about. 
Well, my small student loan is being consolidated, which is a free service, they were and are asking me for upwards of {$700.00}, knowing I can not afford that, it being almost what I make in a month. Sometimes I do n't even make that. 
There was an instance when they got ahold of me, pretending to be my loan consolidation company and once again said that I needed to pay an initial fee of {$400.00}, than an easy XXXX payments of {$29.00} a month. Upon talking to the real company they said that that is not XXXX of their practices. 
The final, laughable and ironic quality of this morally unjust company, when you call, a voice will come on saying 'thank you for calling the student loan help center, where ethics and integrity are important to us '.