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"Your initial payment could be as low as $0 per month"

Dear U.S. Department of Student Loans,

Since you offered me financial advice through a "noreply@" email, I want to make sure that my response gets to you in a timely fashion.

The actual subject line of the email was:

 "Repay your federal student loan based on your income"

So what if someone's income is Zero? I think that's where I was going with my title here.  The first payment will be zero (but does it count as a "payment", and does that count as "money"?)

And for those of us who are English Majors, "your initial payment could be __ per month" is a clear redundancy anyway.  (Not that you were paying attention.)

"When you make payments based on your income, your loan is paid off over a longer period of time than the standard plan. While this reduces your monthly payment amount, it also increases the total amount you pay overall."

Again, thanks Federal Government for making things easy!! Can you maybe explain a little more how you are NOT being kind to a former student? It's a standard Loan thing, to charge more over time.  But how about being on "our" side and revealing some of the details before asking us to apply?

Please don't count on ineffective educations turning your borrowers into desperate applicants!



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