gen Zers know it's stupid, but have the ability to cope with reality and just go on with their business, instead of obstinately pretending to be 'baffled' by something that's been in common usage for twenty years, then complainging about it on the internet.

you're thinking really hard about paying your student loans now, so it worked. who doesn't understand what's going on? doesn't sound like it's your loan-servicer, to me.