I went on deferred payments when I lost my job 2 years ago, after missing the first payment they called me and set me up on a 0 payment deferment plan. After I

I went on deferred payments when I lost my job 2 years ago, after missing the first payment they called me and set me up on a 0 payment deferment plan. After I got my job and made my first payment they called me again and set me up on an income based repayment plan. Both times they called me, emailed me the forms, and helped me set everything up. I think they people who are defaulting are the ones trying to ignore everything and ducking calls. Parent loans leave the parent on the hook, not the student so I don't know why youre bringing that into the fold. Things aren't that complicated, you have multiple (usually 8, one for each semester) loans at different interest rates and you need to repay them. Not that hard.