What’s confusing you about your student loans?

Over the past year, Business Insider has heard from over 1,000 student-loan borrowers who described challenges, concerns, and confusion related to President Donald Trump’s student-loan repayment changes.

The changes, which included new repayment plans and borrowing caps, took effect July 1. The transition, however, has not been seamless — borrowers have faced incorrect bills, confusing servicer notices, and paperwork backlogs that have made it difficult to budget their lives.

Here are some of the key things student-loan borrowers have expressed confusion over in the new repayment environment.

The SAV…

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