In 2020, during COVID I called Navient about my FFELP loans. They advised against consolidating into a Direct Loan because my 2.75% rate would more than double. Because of that and not seeing this last year that a one time IDR adjustment could be made to Direct Loans, $38,000 of principle and interest from 2020-2024 that could have been zero payment for a part of it with zero interest. On top of that, I could have had nearly $100,000 of debt since I’ve made 264 payments wipe out this month but I had zero knowledge of the Biden one time adjustment until two days ago that ended in June 30th. So, I paid the loans faithfully but now am being penalized since I didn’t file by a certain date. Jesus! I’m literally going insane right now! I’m hoping the new administration fixes this but that could prove difficult! Seems so unfair and I can’t be the only one to have missed this!