When I made the last payment on my student loan I got a similar letter. Something along the lines of “it appears you have made your last payment, but we still need to review the account to confirm. If you dont get another invoice from us then it’s all good.” I then got an invoice for about $1 which was the interest that gained on the account from the time I mailed the last cheque and the time they cashed it.
I’m going to assume this person sent in something that looked like a payment which triggered the “looks like you made your last payment” letter but then accounting realized the payment was phony and sent an invoice.
I did the same in my mid 30s. It’s called money management. It’s a skill that has mostly been lost to us boomers.
It has nothing to do with money management. It’s virtually impossible to pay off student loans anymore. People pay them off until they die now. That you’re a boomer is why you were able to do it. College was affordable when you went.
