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These companies run into legal trouble when they pressure borrowers to pay fees upfront, claim they can negotiate immediate loan forgiveness or lower payments from the federal government, and request "power of attorney" to access borrowers' accounts with the Department of Education.

Regulators have taken action against such companies.

About 5.3 million people (24% of all borrowers) are currently paying back their loans this way, the report said.It’s a new year and a brand new start for many of us, full of financial goals and resolutions.It also means new rules, policies, and changes surrounding student loans.The much talked about Revised Pay As You Earn (REPAYE) program became available on December 17, 2015.Federal student loan borrowers in need of a repayment plan with lower monthly payments now have another option to choose from.

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