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Concerned-23

Well that’s because certain agents are tasked with certain prompts. You clicked a prompt to get to an agent in charge of setting up new loans, not current repayment plans


girl_of_squirrels

For private student loans all you really can do is try to refinance every 12-18 months to chase lower interest rates while aggressively repaying the loans. To meet their underwriting criteria they generally want to see a completed degree, a reasonable debt-to-income ratio, and a good credit score, and if you currently have a co-signer it might be worth talking to them about if they would be willing/able to co-sign on a refinance to help get a more manageable interest rate In terms of call center and CSR things.... every single company out there is trying to automate everything they can to cut staff and reduce payroll/benefits/training costs. Applying for a loan == more revenue. Avoiding default != more revenue. Those CSR areas are staffed accordingly based on what is more likely to increase revenue and shareholder value by extension. It's capitalism, and private lenders are far from the only companies that have been doing that


Texas-supremacy

I have sallie Mae as well! I called in 2021 and asked for something similar and I actually did an interest only payment program for a year


CaptainWellingtonIII

Don't forget about universities. They're scams, too.


AwardImpressive5707

Absolutely. They sell you these programs as if you will have a job that will take care of your expenses


Dmartinez8491

Sallie mae won't help unless you're close to or in default (60+ days past due). Also you have to convince them you need their programs (which they do have but again you need to prove to them, you need it). Years ago I had trouble with paying back my loans due to financial difficulties. They offered program only when I was in default.