[sjg007]

This article is about COVID relief to Federal student loans repayment and interest rates. Her FFELP loans are effectively Federal even though they are owned by a private company because they are guaranteed by the Federal government. These are not private student loans though they are currently owned by a private company. So she can consolidate her way out of the situation I believe and then take advantage of the 0%.

She's asking for basic fairness for govt backed loans nothing more.

[ipsocannibal]

Fairness does not remove the underlying math of her situation. Even at 0% interest she still has more than 100K in debt which is approximately 3 times her average salary. Treating this like a mortgage (3 times your yearly salary is a good ratio when buying house) she may be able to pay this off in 25 to 30 years. Thats basically the rest of her whole working life. So no asking for simple fairness will not alleviate her plight, bankruptcy on the other hand would if she could discharge the debt.