Lucky girl never had to deal with student loans. I can also, in a slightly obtuse way, totally relate to the old people being suddenly sharp during assessments bit. My mom would complain of certain joint pains when I went back to visit her. So I took her to a specialist once and when asked the “on a scale of 1 to 10, how painful is this” question, she would suddenly grow balls and say “2 or 3”. I told the Doc it was definitely a 9 or 10 judging by the way she bitched to me.