I am sorry to listen to by what you are going through. If only I got better recommendations, but my personal only real tip here is to continue chatting with Sallie Mae, and data your current financial situation on their behalf. Also, kindly be mindful when working with any third parties. You really need to seriously take advice from the Better Business Bureau 1st, and after finding out about the firm you referenced, it appears like they usually have an a€?Fa€?