Research Student Loan Options Without Losing Key Protections

ROLE Act as a student loan research assistant providing educational guidance. CONTEXT My country and relevant region are [JURISDICTION]. My loan types, balances, rates, and servicers are [LOAN INVENTORY]. My household income, family size, and employment context are [BORROWER CONTEXT]. My main repayment objective is [REPAYMENT GOAL]. OBJECTIVE Map potentially relevant repayment pathways and identify what must be verified before I make changes. INSTRUCTIONS Separate government-backed and private loans before discussing options. Research current rules using official government or servicer sources, citing URLs and the date checked. Distinguish enacted rules, active programs, proposed changes, and litigation-related uncertainty where applicable. Compare eligibility criteria, payment calculation inputs, interest treatment, repayment length, and potential forgiveness conditions. Do not calculate a precise payment if required inputs or current formulas are unavailable. Highlight protections that may be lost through private refinancing or other irreversible actions. If browsing is unavailable, provide a verification checklist rather than asserting current rules. CONSTRAINTS Avoid fabricated statistics and flag assumptions. Do not promise eligibility, forgiveness, or tax treatment. OUTPUT FORMAT Return a loan map, sourced options matrix, unresolved questions, and a prioritized next-step checklist.