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The Department of Education officially released the final technical language implementing the repayment changes tied to the One Big Beautiful Bill Act (OBBBA), and the details confirm that July 1, 2026 will mark one of the biggest federal student loan system changes in decades. While most headlines have focused on the new Repayment Assistance Plan (RAP), the actual technical language revealed several major surprises that could significantly impact borrowers. Borrowers Who S

On April 1st, the U.S. Department of Education issued a major update to borrowers currently enrolled in the SAVE repayment plan. The message was direct: “The SAVE Plan is ending. Borrowers must take action.” While the announcement may seem straightforward, the details behind this transition are critical. Here’s what borrowers need to understand and how to respond. The 90-Day Window: What It Is and How It Works One of the most important parts of the Department’s announc

We know, this is a lot. But this is also one of those “ slow down and read it ” moments. After years of pauses, extensions, and temporary relief, multiple student loan changes are hitting at once. What happens next could directly affect your paycheck, your tax refund, and your repayment strategy in 2026 and beyond. Here’s what matters most and why now is the time to pay attention. Wage Garnishment Is Returning for Borrowers in Default For the first time since before the pande

As we approach the end of December, major student-loan policy changes are coming into focus and one of the most significant involves Income-Based Repayment (IBR) . At the same time, the Department of Education has formally announced the end of the SAVE repayment plan, as part of a settlement being pursued with the State of Missouri. As a result, millions of borrowers who relied on SAVE will now be required to transition into a new repayment plan. Against that backdrop, the

A major step toward long-awaited debt relief has arrived for borrowers in long-term income-driven repayment (IDR) plans. A recent agreement in the case of American Federation of Teachers (AFT) v. U.S. Department of Education marks a concrete move toward resuming loan forgiveness for borrowers enrolled in Pay As You Earn (PAYE), Income-Contingent Repayment (ICR), and other qualifying IDR plans. The settlement also includes a key protection: borrowers who qualify for forgivenes

As of October 1, 2025, the U.S. federal government is in a partial shutdown after Congress failed to pass new funding legislation. While many essential operations will continue, several functions within the Department of Education (ED) and Federal Student Aid are being furloughed, raising concerns about potential disruptions for student loan borrowers. Key Impacts to Watch Loan payments remain due. Borrowers must continue making payments during the shutdown. Servicing and s

As of July, reports show that more than 13 million borrowers are in forbearance or deferment. This follows a troubling trend we...

Recent legislative changes have created a major opportunity for Parent PLUS loan borrowers — one that could lead to significantly lower...

On July 3, 2025, Congress passed the “One Big Beautiful Bill”, a sweeping piece of legislation that included significant updates to...

As we hit the midpoint of 2025, several important developments are shaping the student loan landscape—and borrowers need to stay alert....

As of May 5, 2025, the U.S. Department of Education has officially resumed full-scale collections on defaulted federal student loans....

There’s been a lot of buzz recently about Public Service Loan Forgiveness. A new executive order signed on March 7 by the Trump...

As student loan borrowers continue navigating the complexities of repayment, we know the uncertainty surrounding Income-Driven Repayment...

March 5, 2025 – We want to keep you informed about critical changes affecting income-driven repayment (IDR) plans and loan consolidation...

February 26, 2025 – We want to provide you with critical updates regarding recent developments affecting federal student loan repayment...

Lately, there’s been a lot of buzz about defunding the U.S. Department of Education (ED), and if you have student loans, you might be...

In recent months, there have been significant developments in student loan policies that may impact your repayment strategy. Here's a...

The Biden Administration recently introduced a proposal for a third round of student debt relief aimed at borrowers facing financial...

In 2023, the Department of Education initiated a negotiated rulemaking process aimed at providing relief for student loan borrowers. This...

On September 30th, two relief programs, the 12-Month On-Ramp and the Fresh Start initiative, will end, potentially impacting borrowers .