@CC_Sorin I’d like to reiterate my suggestion up the thread to invite Betsy Mayotte from the Institute for Student Loan Advisors, which is a non-profit that does not charge for its services. With Covid forbearance eventually ending and the economic effects of the pandemic, a lot of borrowers will struggle with repaying their loans. She can answer all sorts of questions about forbearance, curing defaults, repayment plan options, consolidation, loan forgiveness options, etc. I came across her website when I was helping my daughter’s boyfriend figure out Public Service Loan Forgiveness.
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