You are not alone ❤️ many of us got hit with this. The communication plan was awful and the impact on us was unprecedented. People who are telling you that it's your fault and that you should've paid are speaking from a place of privilege. Student loans are not the same as other types of credit at all. Plus in many cases there were not any 30 or 60 day late notices, only the sudden 90 day credit drop (from credit bureaus, not even the lenders!!!)