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Will IDR plans come back?

However, as of March 26, 2025, the online IDR application is once again available for eligible borrowers to apply for the Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income-Contingent Repayment (ICR) Plans. The online loan consolidation application is also available again.

Is an IDR adjustment still happening?

Effects on Public Service Loan Forgiveness (PSLF) Applicants Borrowers with at least one approved PSLF form began to see their PSLF counts adjusted in fall 2023. IDR and PSLF counts were adjusted for all federally held FFELP and Direct Loans by winter 2024.

Is the one time IDR adjustment still happening?

An IDR repayment plan, such as SAVE, allows borrowers to have loan forgiveness after 20 years (240 payments). If the borrowers income is low enough to qualify for $0 payment, each month that the servicer says the payment is $0 will count towards the 240 payments needed for forgiveness.

Will the fresh start program be extended?

Fresh Start Program Borrowers with federal student loans in default will be able to reenter current repayment status without any past-due balance and have other federal student aid benefits and protections restored. The Fresh Start program will continue through one year after the COVID-19 payment pause ends.

Will student loan payments resume soon?

The Department of Education (ED) on Monday announced that it will resume the collections process for defaulted federal student loans on Monday, May 5, after a five-year pause due to the Covid-19 pandemic. In its press release, ED outlined its next steps to resuming collections of defaulted federal student loans.