(Bloomberg) -- College financial aid counselors aresupposed to be students’ primary resource to help figure outhow to pay for school —determining how much they'll need to borrow, the types ofloans best suited for them, and sources of cash. Buta recent survey suggests that most young Americans saddledwith student debt aren’t getting that level of care.

Less than half of millennials who have dealt with student loans called college financial aidoffices “helpful,” according to a September online survey of 2,086American adults conducted by ORC International for Citizens Bank,one of the nation’s largest lenders and a unit of Providence-basedCitizens Financial Group Inc.

Millennials’ dim view of their schools’ financial aid officescomes nearly a decade after New York State prosecutors accusedcolleges and financial aid counselors around the country ofaccepting kickbacks from lenders in exchange for sending thembusiness from new student borrowers. Those allegations ledto numerous settlements with lenders and schools, while theNational Association of Student Financial Aid Administrators —which lobbies on higher education finance issues in Washington onbehalf of college aid counselors — agreed to abide by a detailedcode of conduct.