Loan Repayment

If you have federal student loans, you may be overwhelmed and confused by the barrage of announcements and information coming your way. In this resource, we outline what we know, what we don’t, and some trusted resources to reference if you have more questions or need help.

Starting on July 1, 2026, the Education Department (ED) is rolling out major changes to the federal student loan…

TICAS joined a coalition of 85 other stakeholder organizations in submitting comments in response to the Education Department’s Notice of Proposed Rulemaking, “Reimagining and Improving Student Education.” The comments urge ED to protect borrowers from economic harm as the proposed rule is finalized and implemented.  

TICAS submitted comments in response to the Education Department’s Notice of Proposed Rulemaking, “Reimagining and Improving Student Education,” outlining a series of recommendations to improve outcomes and clarity for borrowers, simplify program administration for servicers, and help those in default successfully return their accounts to good standing.

Federal student loan default comes with severe consequences. The entire loan balance becomes immediately due, and borrowers face ongoing damage to their credit scores, along with a range of significant fees. Our fact sheet outlines reforms Congress can make to help borrowers get out and stay out of loan default.