We’re gathering your questions about all things money and finances. Then, each week, we get your questions answered by the people who know best.

This week, Mare from Uptown asked:

“I have a student loan. Initially, it was with a servicer that provided good service. In 2022, I applied for Public Service Loan Forgiveness [program], was denied, but in the process, the government moved my loan to another servicer without notifying me. This servicer is the worst — they raised my payments without notice, and whenever I have a problem, I cannot get a human on the phone. I would like to move my loans back to the first servicer, but they said I would need to do a loan consolidation first. I have no idea how to do this, or if it will cost me more money in the long run. Please help!”

Erika Chavez,

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