My servicer just told me my Stafford loans aren't eligible for COVID relief. I've read news sources stating otherwise. Since the CARES Act, I have been getting an automatic suspension of payments on my Stafford loans. I thought this suspension was extended until September. Well, I just submitted my annual IBR renewal, and the suspension of payments stopped.

I called my servicer, who said that I don't qualify for the automatic suspension of payments because my Stafford loans are not owned by ED. I've seen sources stating otherwise.

The rep I spoke to had me apply for something called a "verbal forbearance," which would suspend my payments, but the interest would keep accruing and be added to the loan's capital.

Would some kind soul please clue me in about *any* part of this? Jesus!