It’s been a couple of decades since I had a student loan, but they used to offer a forbearance as an option — interest kept accruing but payments were paused. If that still exists as a thing, you might want to run the numbers on whether that’s reasonable for you.

Apartment management probably had a list of all occupants of the rental — this does not make you in any way responsible for the debt. Tell them you will report them for harassment if you hear from them even one more time.

Not a Doc so I skipped most of it that’s not relevant to me — but used the site’s info on backdoor Roth, which was super helpful.

Have you checked out whitecoatinvestor.com? It’s speaking to you!