Janelle Menzel is a high school math teacher in Brainerd, Minn. After contacting her loan servicer repeatedly, trying to find a way to appeal, a call center worker told her, “Look, you just need to give up.”

Janelle Menzel is a high school math teacher in Brainerd, Minn. After contacting her loan servicer repeatedly, trying to find a way to appeal, a call center worker told her, “Look, you just need to give up.”