If you’re seeking financial aid, deal directly with the college.

Forbes reports.

The Single-Worst College Loan Repayment Move

Other than going into default for your student loans, there’s one sure way of getting sidetracked: You pay someone else to find a quickie solution to loan repayment.

There are really no shortcuts to paying down your student loans. If you have federal loans, the government offers myriad repayment plans. You can choose the best one based on your income. If you get into a bind through unemployment or low-paying jobs, the feds will cut you some slack.

With federal loans, look at your options and check in with your loan servicing company. Tell them which repayment or consolidation plan you want and they can start the paperwork.