This is very common, and we strongly advise against this for it is a direct conflict of interest. Remember your lender is a private financial institution that has a contract with the Department Of Education to manage and oversee your loans. When It’s all said and done, their main function is to collect on your debt. We have encountered many individuals whom did this and found they were either placed in the wrong program or were not placed into a program at all. It is in your lender’s best interest to perform in a way that supports their bottom line, and it is in our best interest to get you maximum forgiveness for your loans.