20 years ago you could go to an in-state public school (without housing and food) for $5k/year in Indiana. Nowadays the same school has a tuition of $16k/year without housing. There are cheaper in-state universities going for around $10k/year, but that’s still a minimum of $40k for 4 years without housing or food or car or health insurance or internet or utilities.
This can’t be repeated enough. You paid heavily for 20 years into a predatory loan, and they think you should continue paying heavily with no end date in sight.