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That includes providing more uniform, standardized information about how borrowers can enroll in government benefits like income-based repayment programs.Mitchell said in the blog post that the “goal is to build a new state-of-the-art loan servicing system -- one that creates incentives and guidelines that support a more user-friendly single online loan management platform with high-quality, one-on-one customer service that provides the help and guidance borrowers need when they have questions or their circumstances change.” The announcement comes after the Obama administration, which in 2010 made all federal student loans originate directly from the Education Department, has for several years faced criticism from congressional Democrats, consumer advocates and student activists for not properly overseeing the companies it hires to collect student loans.Often, the scams are simply passing off the federal government programs as their own and billing you for it.Some companies charge enrollment or subscription fees up to 0, or monthly account maintenance fees as high as per month, according to the Department of Education.With student loan consolidation, you may be able to refinance at a lower interest rate, decrease your monthly payment, or both!When you apply, most banks and lenders will look at your credit score, annual income, savings, and college degree type (or certificate of enrollment if still in school).Federal student loan borrowers currently make payments to one of several loan servicing firms that contract with the Education Department.

Borrowers who consolidate their loans may also be able to extend their repayment periods to make their monthly payments more manageable.

Help paying off a student loan sounds great, but here's the problem: You can get the same student debt relief directly from your loan company -- for free.

There are hundreds of scams trying to make a buck off your desperation and hope, according to a survey released Tuesday by the advocacy group Student Debt Crisis and personal finance website Nerd Wallet.

Those surveyed named about 200 companies they had heard of that charge for some kind of student debt relief.

Nearly half said the company contacted them directly, and 9% said they've actually paid for these services. Some companies try to appear sanctioned by the federal government.