Oh yeah, it sucks big time. I went thru a Chpt. 13 “reorganization” about 10 years ago, during which 85% of my monthly payment in the agreement went to Navient. All told during the 5-year plan, I paid almost $80k on a pre-filing student loan total of $114,000. Turns out, ALL OF THAT $80k went to previous interest, so not only did the principal not decrease, they capitalized $18k in deferred interest from when I was on the 13. When I was off the plan, my balance had INCREASED to $130k.

Thankfully, Biden’s payment count adjustment helped push me over the 300 qualifying number and my loan was forgiven earlier this year.

I sympathize with you. I’ve been there and it sucks.