Student loan debt in the United States has become one of the most persistent and confusing financial burdens for millions of borrowers. One of the most common—and alarming—experiences reported by federal student loan borrowers is this: “I’ve been making payments for years, but my loan balance is higher than when…
Student loan debt rarely becomes a crisis overnight. For most borrowers, it begins quietly. Payments seem manageable at first. Interest feels small. Life moves forward. Then something shifts. Income stagnates. Expenses rise. Health issues appear. Family responsibilities grow. Years later, borrowers realize they have paid tens of thousands of dollars,…
Student loan debt has become one of the most serious financial crises facing borrowers in the United States. Millions of people struggle each month with rising balances, compounding interest, and limited repayment flexibility. For many borrowers, student loan payments compete with basic needs like housing, food, and healthcare. When repayment…
