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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

What to Do in the Next 30 Days Borrowers are entering 2026 facing three major pressures at the same time: Uncertainty around SAVE and forced repayment plan changes The return of collections enforcement for borrowers in default Tax season consequences for anyone in default or nearing default Together, these shifts mark a clear move away from temporary relief and toward active enforcement and system restructuring. In this environment, waiting for clarity can be costly. Below is

As 2025 comes to a close, the federal student loan landscape is entering one of its most consequential transitions since repayment resumed. The formal wind-down of the SAVE repayment plan, combined with rising delinquency and a major expansion of Income-Based Repayment (IBR), has put millions of borrowers at a crossroads.  This moment isn’t just about policy changes, it’s about whether borrowers can adapt in time to avoid unnecessary financial harm.  Millions Will Need a New

As the holidays approach, many borrowers are feeling the strain of balancing celebration with financial obligation. For millions, student loan payments are part of that burden, whether they’re delinquent, on the SAVE plan, or in default. The key takeaway this season? You’re not alone, and even small, informed steps now can make a big difference before the new year begins. For Borrowers Who Are Delinquent If you’ve missed a few payments and are feeling overwhelmed, the holiday

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...

In about 15 minutes, an SDS session provides a free, personalized recommendation tailored to your goals—whether that’s lowering your...

At Student Debt Solutions, we have been working with bankruptcy attorneys for a number of years, which gives us valuable insight into the...

Over 40 million Americans are carrying student loan debt, and it’s easy to feel like you're facing this challenge alone. Yet, countless...

Yes, if you have defaulted on your federal student loans, the government can intercept your tax refund through the Treasury Offset...

As federal student loan borrowers navigate the post-pandemic repayment landscape, a recent memo from James Kvaal, former Under Secretary...

If your federal student loans are not in repayment, after the on-ramp ends on September 30th, a few things could happen, depending on...