you're thinking really hard about paying your student loans now, so it worked. who doesn't understand what's going on? doesn't sound like it's your loan-servicer, to me.

No, we don't think this is OK. It looks ridiculous.

Remember that "textspeak" is just shorthand used to save keystrokes. I haven't seen anyone unironically use "2" instead of "to" since the days of flip phones -- on a smartphone keyboard, it's harder to type the number 2 than the word "to" because you have to switch to the numeral keyboard and then back.

Writing "u" instead of "you" is less common than it used to be, though some people still do it sometimes. But capitalizing the U is absurd -- remember, the whole point of shorthand is to save a small number of keystrokes, so you wouldn't waste keystrokes on unnecessary capitalization.

Any kind of shorthand like this looks ridiculous and out-of-place in a professional context, like a text message from a corporation. It signifies that you don't care enough to type out the whole message, which comes across as relaxed and casual between friends but as lazy and unprofessional in a form letter.

If I received a message liked this, I would immediately think it was written by some middle-aged manager who is trying to be "cool" and "relate to the kids." But a poor imitation of low-effort texting shorthand doesn't come across as "cool" at all; it's just silly and disrespectful. It gives the distinct impression that the whoever wrote the message thinks of me as "just a kid" rather than a normal, adult peer; as if I don't deserve the dignity of a normal, professional message.