Recently, my student loans payments were calculated and I was told that I would not have to pay this year based on my income. Today I received a bill with a payment amount on it. I called my loan holder, and was told my loan was recalculated and I had to pay this amount, and that they sent out paperwork announcing that. I never received this paperwork and had no idea that my payments had changed. Do I have any legal standing for requesting the original no payment for the first year be upheld?