“…Student loan debt has become a financial and psychological burden for many young adults (Montalto, Phillips, McDaniel, & Baker, 2019;Zhang & Kim, 2019). When it comes to repayment, evidence strongly suggests that students are confused both about their borrowing practices and their options for repayment (Shim, Serido & Lee, 2018;Whitsett & O'Sullivan, 2012). Students lack an understanding of the most basic information such as the amount they owe on their loans, interest rates, and terms of repayment (Andruska, Hogarth, Fletcher, Forbes, & Wohlgemuth, 2014;Johnson, O'Neill, Worthy, Lown, & Bowen, 2016;Mueller, 2014).…”