The most specific allegation is that they extended the maturity of the loan, which as a consequence lowered the minimum payment. Under normal circumstances, and

The most specific allegation is that they extended the maturity of the loan, which as a consequence lowered the minimum payment. Under normal circumstances, and with clear communication to the borrower, this is a change that can only be better for the borrower; they can continue to pay on the old schedule, or pay less on the new schedule over more time without going into default. However, many of the borrowers were in bankruptcy at the time of the change. During this process they were not in control of their own assets; the bankruptcy trustee was paying their bills for them. If the bankruptcy trustee paid the new lower minimum payment, it would result in the borrower paying more in interest than they otherwise might have.