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At the federal level, the FTC and the CFPB have the authority to act against companies that engage in deceptive or unfair practices.

Click on the links to file your complaint with either of those agencies; or you can call the CFPB at 1–855–411–2372.

We’re making it easier to distinguish between Department sites and private companies’ pages to make sure students and families aren’t mistakenly lured into paying for services available for free.

For instance, last year we reached a settlement with a company to obtain a web address it was using — — to market its for-profit service charging students to fill out the Free Application for Federal Student Aid (FAFSA).

In a manner similar to other live cam sites, Live Jasmin will allow you to sign on free of charge.

If you need help with your debt, you should contact your servicer.

Click here for a list of servicers’ contact information.

And you should — because you never need to pay for these services. Our research shows that some companies charge upfront consolidation fees as high as 9 or 1 percent of the loan balance (whichever is higher); “enrollment” or “subscription” fees up to 0; or monthly account “maintenance” fees as high as per month.

That’s money out of your pocket for services that are available to you for free.