Another thing I must choose very well the financial aid option that best suits me and about debt relief companies, I suppose they are reliable companies, where can I consult?
Certainly, you can refer to this list of trusted companies that work with ED to provide student loan services.
Also, what should I bear in mind when determining whether or not to accept financial aid when selecting the best financial aid?
You should always accept free money first e.g., scholarships, grants.