Student-loan fix document: deterministic lane routing plus the ready-to-send paper — a California AB 376 statutory demand letter (the §1788.103(d) pre-suit notice itself, with the $500/violation and $1,500 treble floors), a PSLF reconsideration narrative (90-day window math), or a discharge application statement-of-facts (false certification / closed school / identity theft). Honest refusal on held lanes and non-qualifiers.

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