So, I'm debating switching to a debit card for daily purchases, since the mental accounting gets confusing with a credit card and it's easier to overspend. The only thing holding me back is the fraud protection that comes with a credit card. Are there any (US) checking accounts/debit cards that match the level of protection you can expect from a credit card? Is such a thing possible?

Screenshot for clarity

My understanding was that after I graduated, I would have a six-month grace period, during which no loan payments would be due.

At some point during that six-month grace period, my university should have notified "the feds" or my loan servicer that I had graduated, so that they could appropriately adjust my loan status and start date of my repayments.

Well, we are seven, almost eight months post-graduation, and my loan repayments still are not due to begin until December 2025.

I'm still looking for a job, so if I can continue to put off repayment, that would be great.

Of course, if my loan status finally updates, and the servicer realizes I was supposed to start repayment in July 2024, but didn't, then that would not be great.

What do?

_{Literally this evening I intended to just go ahead and sign up for the SAVE plan, so I wouldn't have any payments until I got a job, even if my loan servicer woke up and realized their mistake. Unfortunately, republicans hate America, so that plan is looking dead in the water. I might go ahead and try to sign up anyways. Maybe I will continue to get lucky.}