Loan Repayment

Shifts to student loan repayment in the OBBBA have driven ongoing concerns about a looming “default cliff,” where an unprecedented number of borrowers struggle so much to repay their loans that they default on their payments in droves. Our fact sheet outlines additional reforms Congress can make to ensure the repayment system is actually affordable for all borrowers.

Income-based plans are the best tool we have to keep borrowers out of delinquency and default. But if payments aren’t actually affordable, borrowers fall behind. 

TICAS commissioned Data for Progress to survey federal student loan borrowers currently in repayment. The findings bring even greater urgency to ongoing concerns about a looming “default cliff,” where an unprecedented number of borrowers struggle so much to repay their loans that they default on their payments in droves. This blog outlines what policymakers can do to stop...

TICAS commissioned Data for Progress to survey federal student loan borrowers currently in repayment. The findings bring even greater urgency to ongoing concerns about a looming “default cliff,” where an unprecedented number of borrowers struggle so much to repay their loans that they default on their payments in droves.

The Department of Education reconvened the Reimagining and Improving Student Education (RISE) committee for negotiated rulemaking (“neg reg”) to implement the federal student loan borrowing and repayment provisions included in the budget reconciliation law. Our experts tuned in to capture key takeaways as ED determines how to implement the “One Big Beautiful Bill."

The Total and Permanent Disability (TPD) program discharges federal student loans for borrowers with severe disabilities. Our new brief gives an overview of the program as well as a timeline of improvements and changes made over the last 25 years.