I had two Student Loans with Navient. Since my husband became totally paralyzed and I permanently lost his income, I applied for and was approved for an Income Driven Repayment Plan in November, with my payments being $0 and only interest accruing. We filed Chapter 13 in April due to the loss of income and his medical bills.
I was checking my credit report yesterday and noticed that it showed my 2 student loans as paid off with a $0 balance. I logged into Navient and saw that my loans were paid in full by USA Funds. Are they paid off or is USA Funds just taking over my loans? I don't feel like they should have been touched since I was on the IDR, and I was never informed of this, I only found out by checking my credit report. I am afraid that USA Funds will start billing me for the loans that I had the IDR on and force me to make payments. ,,something that I didn't have to do with Navient because of the IDR.
Does anyone have any idea of what is happening? I had been making all my payments up until the time that I was approved for the IDR, so I wasn't in default or behind at all. I had never heard of USA Funds before this, so I don't know what their business is or anything. This is concerning me greatly, as I cannot afford to make payments on the loans (the very reason I was on the IDR). Any help or insight would be very much appreciated.