Student loans are a mess. They've been a mess for as long as we’ve been doing this, but right now? It’s like someone took that mess, threw it in a blender, and hit "puree." We’re answering a whole heap of listener questions. This episode is dropping on April Fool’s Day, but no jokes or pranks here — just straight-up answers. Let’s face it: the real joke is how convoluted this whole system has become. But we’re tackling the questions head-on. And if you're one of the folks who sent in questions, thanks for trusting us with your financial headaches. We've got your back. Key moments:

The trap that will mean big trouble for borrowers if ICR gets repealed

No “processing shortcuts” exist — everyone’s in the same slow-moving line

Inexperienced customer service representatives giving you the wrong answers

Why you might want to file a tax extension to see how student loan policies might shift