Why wasn't I made aware of "Smart Option" private student loans when I first took out both federal and private loans? I needed them to get discharged with the federal after the TPD application.
I was told when filling out the TPD paperwork in 2017 that private loans are only getting modified to be interest free with all previously accrued interest removed and previous payments towards the interest retroactively reapplied toward the principal. Only my federal student loans were getting discharged?
And that only smart option student loans are the only private student loans to get discharged with the federal student loans.
So why wasn't I told of the smart option student loans in the first place when I first got my first private student loans in 2006?
If I would've known ahead of time the nature of the smart option loans, they would've been the only private student loans I'd have taken out.
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