Janelle Menzel, a high school math teacher in Brainerd, Minn., remembers after contacting her loan servicer repeatedly, trying to find a way to appeal, a call center worker told her, “Look, you just need to give up.”

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Janelle Menzel, a high school math teacher in Brainerd, Minn., remembers after contacting her loan servicer repeatedly, trying to find a way to appeal, a call center worker told her, “Look, you just need to give up.