Because schools part out your loan to a million different providers. These schools (like the Art Institute, or the University of Advancing Computer Technology) make money off of these tactics and make it a fucken bitch to deal with your loan. There’s an entire legal sector out there that cold calls people who are victims of this strategy.
Source: went to UAT with my brother, before that he went to the Art Institute. We both got these calls, they helped him absolve his AI loan.