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As of February 2015, the post now contains new information about the three lenders that were originally listed here (Discover, Wells Fargo and Sallie Mae), along with details about other big private lenders.Most importantly, we’ve also added new guidelines presented by the Consumer Financial Protection Bureau.Federal student loans are well-regulated and have structured programs to help borrowers.

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For instance, all our post originally said about Discover was that “Discover encourages struggling borrowers to call its ‘Repayment Assistance Department.'” We were vague because, well, Discover was vague too.But times have changed and the student loan crisis, the media coverage surrounding it, and government intervention have worked to create an environment of improved transparency and increased options for borrowers.

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