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But these are almost impossible to find (the Office of Federal Student Aid's website devotes 39 words to them, several screens down the page). This has created an opportunity for a giant scam industry that takes desperate debtors' last dollars to fill in paperwork they could easily complete for themselves, or to *pretend* to fill in that paperwork and just walk away from them:

https://www.consumerfinance.gov/enforcement/actions/monster-loans-lend-tech-loans-and-associated-student-loan-debt-relief-companies/

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