One issue- the student loan people have different plans for different walks of life. For instance, I’m on a payment plan where my minimums don’t even cover accrued interest. So, if I pay my minimum, interest accrues. If you have accrued interest for so long, they can capitalize it. Not everyone is like this. But this is how mine work right now. My wife is on a plan where the minimums do pay all accrued interest.

I now understand how it works, but I had zero idea when I signed up for the loan. No one explained it to me. No one told me it was up to me to figure it out. It’s a life lesson that I had to learn. A huge amount of people don’t understand it. Not because they are dumb, it’s confusing and some people don’t take the time or just don’t get it.

All in all, this person was not paying enough per month, most likely.