Generally, the easiest clients to work with, and the ones who gain the most financially, are in this category. They often overpay; they haven’t felt a strong enough sting in making rather large loan payments to research ways of reducing them (increasing cash flow).
They aren’t lowering interest accrual, often believe that forgiveness options don’t apply to them, and are generally the least informed. Unfortunately, they treat student loan repayment as they treat other debts, and have been focused on simply paying them off.
Combining subsidies that can be used by most borrowers with an increase in cash flow, reduced interest accrual, and reallocation of funds to pay off higher interest debts can make a dramatic improvement to a borrower’s financial picture.