Federal and state agencies are cracking down nationally for the first time on scams that gouge student loan borrowers, but critics say the U.S. Department of Education isn't helping. Prosecutors at the Federal Trade Commission, 11 states and the District of Columbia have filed 36 lawsuits and other legal actions against companies they say falsely promise debt relief, charging more than $95 million in illegal fees in recent years. Consumer advocates and members of Congress welcome the ongoing crackdown announced Oct.