現在lender都這德性。

I agree w/ ur cousin.  however, instead of bank statment, you and your cousin shoud have provided your refinance lender a LETTER from lender for student loan stating "loan is satisfied".

it is your refinance, not your cousin's.  so your cousin is right. 

這不是自私不自私的問題，關係到隱私權。 這是在米國， 應該不難理解。 

好事多磨。 退一萬步，不成的話，接著打獵。 

祝你好運！