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The law firm says they'll then negotiate a settlement with your lender.

Just like some people do their taxes themselves, while others hire a CPA, the same applies to student loan debt help. Or you could pay someone to help you (if you want to see who we recommend, scroll to the bottom). Here are the warning signs to help you avoid student loan debt relief scams.

This scam involves a student loan company that tells you they can get you the "best" interest rate and loan terms, but you have to pay a "small" fee up front for this service.

There are two common fees that will be paid with the loan, but once again, never up front.

Federal student loans charge a 1% default fee, but charge no origination fees.

Refinancing differs from consolidation in that rather than simply combining all your loans into one, you are actually taking out a separate loan with a new lender who pays off your existing loans.

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This article is pretty long - we cover a lot of ground here.

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Sometimes the fee is a flat rate up front (say $1000). There are no circumstances in which you should have to pay money to get money.Finally, if you are considering consolidation, make sure you read our guide on The Right Way To Consolidate Your Student Loans.This is a scam where a law firm will claim to be able to settle your student loan debt.With billions of dollars being loaned to students each year, there is no doubt that there are scammers trying to get your money that are offering services that they do not follow through on, or have no real idea about.​In fact, the Consumer Finance Protection Bureau (CFPB) has even issued multiple warnings about what to look out for when it comes to getting help with your student loans.(For example, this one and this one).​Here are some common scams that are happening right now that you should be aware of when looking for student loan help.Many times the law firm will ask you to make your full student loan payment to the the law firm itself (or whatever amount you can afford to pay).