My sister took loans during her BS and MS, her grace period elapsed and she still did not get a job, so she had no choice but to go for a phd.
Now she is doing her phd, but she keeps getting calls from creditors about her loans, I think they should stop calling her and freeze the interest, after all a lot of people are in the goverment are responsible as to why someone with a masters in immunology still cant a job
She is doing her Phd in France, and I also was working outside the country (till i got fired, but i am still there).
Communicating with these guys from abroad is tough, different time zones, hard to understand what is going on, so many different people calling and I am not sure who the hek is who.
Does anyone have experience in this domain? Should she be able to stop the interest and not be considered in default, and possibly get financing for her MD, she got accepted for an MD in the UK.