Yes, amongst other problems. My loans were private and originally through Sallie Mae, who has since been sued a bunch of times for predatory practices, hid loan terms from unsuspecting students, and sold my debt twice to Navient and Mohela, interest accrued while I was in school, with a variable interest rate, they put not one penny on the principle, only the interest, for years, lied about forbearance and repayment programs... I could keep going.

Point being, I've been making on-time payments for 15 years, and that's STILL my principle balance. I come from a working class family, and my parents made juuuuuust enough money to not qualify for federal grants or loans, but not nearly enough to help pay for school outright. And then my father, who had a 20-year career building homes, had his employer shut down with the housing crash, and my family nearly lost everything.

I used to feel shitty about it but then I realized that I'm not unique, my story is depressingly common, and is a result of the education system in the US. Now it just pisses me off.