05/20/2026
“Girl… go to Kevin. He walked me through everything.”
P., a social worker in New York, laughs when she says it now - but that wasn’t where her story started.
When she first reached out, she thought she still owed nearly $100,000 in student loans. She had been making payments. Staying on top of it. Doing what she believed she was supposed to do.
What she didn’t know was that her loans had already been forgiven.
Two years earlier.
No notification. No moment of closure. Just… silence.
“I didn’t even know what was going on,” she told us. “They stopped sending stuff… and you don’t really know.”
So like a lot of people, she tried to figure it out herself. She called her servicer. Stayed on hold for hours.
“No lie… I was on the phone until five o’clock… and then they disconnected me.”
Another time, she listened to hold music for eight hours.
At some point, confusion turns into resignation. Not because people don’t care - but because the system makes it so hard to stay engaged.
And then, in one conversation, everything changed.
Clarity replaced uncertainty. Relief replaced years of quiet stress.
“I really appreciate you,” she said. “I’ve been telling all my co-workers… like, girl, go to Kevin.”
What she should have received years ago - a simple, clear answer - became a moment she wanted to hold onto. “I want to keep it,” she said, talking about her forgiveness letter. “I never thought this was gonna happen.”
Now Kevin, her SavvyFi Student Loan coach and the head of our Customer Success team, is helping her with the next step: pursuing a refund for the payments she made during those two years she didn’t know she was already free.
This isn’t just about one borrower.
It’s about how many people are doing everything right… and still don’t have the information they need to make sense of their situation.
If you or your team needs support, let's talk.
