I have seen multiple cases in which false charges of interest and penalties have been laid against school loan debtors. What is the answer? To identify the school loan as a contested claim and reduce the school debt assertively. In the process, negotiation or litigation process, the school loan amount may be reduced substantially. A second approach is to assert that there is a legitimate basis for claiming a hardship discharge and factor that into the negotiation of the amount actually paid to the school loan creditor.