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Desperate Times: Should I Take The Leap and Trust a Service?

I'm in a really tough spot right now. I've been juggling work and a few difficult college courses, and honestly, my Algebra class is about to sink me. I bombed the midterm, and the final online exam is next week. I'm completely overwhelmed and running out of study time. I keep seeing services online that claim they can take my online algebra exam for me. It feels incredibly risky, and frankly, I'm terrified of getting caught. But I also desperately need to pass this class to keep my scholarship. Has anyone ever used one of these services? What was your experience, and is it truly worth the gamble?