My wife had been paying student loans with the same amount for years, and then some month, Nelnet decided to increase her minimum payment, but they only sent her a message through some shitty portal message board that no one would ever look at. So she didn’t know about and continued to pay her same amount, and then a few months later they said she defaulted on her payments and put that status on her loan. But because for some ludicrously irresponsible and Kafkaesque reason, they split her loan into like 7 different sub loans. So all of a sudden, she had 7 “different” loans all go into default, and her credit score absolutely cratered. It’s been 5 years and it still hasn’t fully recovered