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The Department of Education recently launched a new Defaulted Loans Support Center to make it easier for borrowers with defaulted federal student loans to take action. On the surface, that sounds like a big change. In reality, it does not change the most important part of getting out of default: choosing the right strategy and knowing how to carry it through. And right now, that matters more than ever. The latest federal student loan data shows that more than 9 million borrow

Two borrowers can have the same income, the same family size and the same amount of student loan debt. They may still have very different repayment options, and very different financial outcomes. That is one of the most important and confusing results of the student loan changes that took effect on July 1, 2026. In the past, borrowers often started with one question: Which plan gives me the lowest monthly payment? Today, they must ask another question first: Which plans am I