Nowhere did the OP say she should declare bankruptcy, so I’m not sure why you said the OP is clueless. I believe the OP understands the author is stuck with the

Nowhere did the OP say she should declare bankruptcy, so I’m not sure why you said the OP is clueless. I believe the OP understands the author is stuck with the loan. Your opinion about fraud is also unsupported. Even the author conceeds she didn’t read the contract, nor did she express any understanding of how her interest rate is set. Frankly, she still doesn’t seem to understand the basics of how loans work. “I will have paid nearly $170,000 to my original $95,000 loan.” The above quote is meant to express her outrage, but it’s meaningless. She’s missing the time component. I pity her and I think the student loan business is in a terrible state, just remember who the politicians were who got us here and what they said these laws were for. The road to hell is surely paved with good intentions. Which is why it’s better think selfishly rather than altruistically.