“Finally, you can change your repayment plan at any time, and there?s no penalty for paying your student loans off early.”

THAT’S a bad joke! If you can actually get your ‘servicer’ to tell you WHERE to send extra payments you’ll be doing better than most – and THEN there is the issue of whether they actually apply that extra to the principal! By law, they can apply it to interest first, fees and charges, and IF anything is left over, THEN maybe..

Student loans are predatory by design – the lenders and the government make MORE on defaulted loans.

And they WILL put you in default at the earliest opportunity!
Student loans are DEBT SLAVERY FOR LIFE!