Banks running student loans
Experience speaking here:
DO NOT let that happen.
Banks are responsible to SHAREHOLDERS not to customers or clients. 11 years. 11 years of futzing around, changing targets, increasing interest levels (based on that magical APR value) and back and forth between the tax folks and the bank(s) that held the loans .....
And that 11 years of back and forth was just convincing everyone that the damn loan was PAID OFF. Hell, the BANK didn't even have copies of the paperwork that they'd sent me saying it was complete.