Government Loan Advisors is not affiliated with any government program. We are independent advisors working with a 15-year-old for-profit company that is fee-based, and they work directly with the Department of Education on the loan holder’s behalf. A FREE consultation is necessary for you to (a) learn the program details and (b) decide whether to participate. It will save you tens or hundreds of thousands of dollars or we would recommend you not participate. You are under no obligation. If we don’t ease your student loan debt worries, we haven’t done our job right.