place to go is studentaid.gov. and i heard a colleague of mine say, type it in. type in studentaid.gov. and the reason i say that is because there are so many debt relief companies out there, what we call debt relief companies, but scam companies or companies that are going to charge you understand up to $1,000 for free government programs that you do not need to pay anyone to help you. or find a trusted messenger. we at student debt crisis center work with student loan borrowers all the time for public service loan forgiveness or to prevent default, and so do the labor unions and many other organizations. but when in doubt, trust the government site, because of those debt relief companies. and an important reminder, these are federal programs for federal loans and it s free to apply. i guess the cost of time and effort, like you said. it s a little murky, the paperwork. all right, it s been three years since borrowers have had to make payments. what would you tell people before they