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Your Loan Situation: The Complete Picture

• Total loan balance: $156,695.38
  • Principal: $146,972.00
  • Accrued interest: $9,723.38
• Loan composition:
  • 3 Subsidized loans (no interest while in school): $13,654
  • 8 Unsubsidized loans (interest accrues during school): $125,367.51
  • 3 Graduate PLUS loans (higher interest rate): $17,351.08
• Current status: All loans are in deferment or "In School" status until 06/20/2028
  • This extremely long timeframe suggests your loans were automatically placed in the standard post-withdrawal deferment
  • Regular monthly payment (if no IDR plan): $1,545.47 starting 07/04/2028 </aside>

Introduction

"Hi, my name is Thao Le. My account number is E916865110. I recently withdrew from Dell Medical School, and I'm calling about my student loans and repayment options."

Clarifying Current Status

"I see that my loans are showing a payment start date of July 2028, which seems unusually far in the future. Could you please confirm:

1. What is my current loan status?
2. Why is my repayment date set for 2028?
3. When would my payments normally begin without any special arrangements?"

SAVE Plan Application

"I submitted an application for the SAVE repayment plan, but I understand there's currently a court injunction affecting that program.

1. Can you tell me the status of my SAVE application?
2. Given the injunction, what are my best options for an income-driven repayment plan right now?
3. Specifically, would REPAYE be a good alternative since I selected that on my application?"

Income Verification

"I'm currently unemployed as I transition careers after withdrawing from medical school.

1. How would my payments be calculated under REPAYE or another income-driven plan with my current financial situation?
2. If I were to start a job soon, how would I update my income information, and how quickly would my payment amount be adjusted?"

Next Steps

"What specific steps do I need to take next?

1. Do I need to submit a paper application for an alternative IDR plan?