Formal and credible institutions
If this intermediary is a formal and credible institution, they can provide you with sufficient guidance and help, prepare for your study abroad and reduce your risk of studying abroad, then it is definitely meaningful to pay money.
Not credible, even a liar.
But if this intermediary is not credible, even a liar, and they can't provide you with really helpful services, then you may waste money and time.
Choose a formal institution
Therefore, it is suggested that you should carefully consider before choosing an intermediary, choose a formal institution, learn as much relevant information as possible, and consult friends, family members and professionals around you to avoid being cheated again.
I wish the overseas study program a smooth implementation.
Finally, I wish you can choose a formal intermediary and successfully realize your study abroad plan.