I graduated from college long before college loan program came into existence, so I've no first-hand experience with it. However, my impression is that it's been a political football as the parties alternate in power. The Democrats push loans issued directly by the Education Department while the Republicans believe in loans from banks/financial institutions with a federal guarantee. As the program has gone on, people have made changes to the provisions, including forgiveness of payments under certain conditions. So you end up with the sort of mish-mash this person finds herself in. If you follow the thread of responses to her, itbecomes even more confusing than indicated here.
If, hypothetically, you took out a heap of Stafford and Perkins loans, and then consolidated them, and then the consolidation loans were sold like 5 times, and you qualify for various federal repayment plans but not for the pandemic relief - are those federal or private loans?
— Melissa Johnson, PhD (@Lady_Historian) November 18, 2020
One fallacy of my education in government, as my school called "political science" is that Congress makes decisions and the executive branch administers them. In reality for some areas it's an ebb and flow of changes making it very hard for the poor bureaucrat to administer.
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