You don’t have to pay for help with your student loans. There’s nothing a company can do for you that you cannot do yourself for free: federal borrowers can start with StudentAid.gov/repay and private borrowers can start with their loan servicer.
Some companies claim to resolve repayment issues by saying they can help you pay them down quicker, cheaper or get them forgiven altogether. Be cautious! Some of those companies are running scams!