Student Loan Impact Tracker

New federal student loan rules effective July 1 triggered widespread disbursement delays as colleges scrambled to update systems.

• Mikiah Roberson...

Senators Warren, Merkley, Booker, and Van Hollen are pressing ED Secretary McMahon for full details on the $1 billion administration fund, urging its...

Alaska combines state and federal rules to shield more of your paycheck from most creditors than many states allow.

• Weekly floor: Creditors must...

The SIMPLE Act would notify borrowers at least 31 days delinquent on federal loans, then automatically place those hitting 75 days into the most...

Eligible Direct Loan borrowers (originated after July 1, 2012) have until Sept. 30 to enroll in autopay for a temporary 1-percentage-point interest...

• A borrower found $10,000 in federal loans taken in her name by her mother using her SSN and details, with the account registered solely to the...

The Education Department is restarting a data match with Social Security to identify borrowers already flagged with a “Medical Improvement Not...

AG James warns scammers are exploiting Trump-era repayment changes—including SAVE plan elimination—to target confused borrowers with fake forgiveness...

Federal Direct Loan borrowers with loans disbursed on or after July 1, 2012, can secure a temporary 1-percentage-point interest rate reduction by...

The Sanders bill would bar the Department of Education from garnishing Social Security retirement or disability benefits to collect defaulted federal...

• Enroll in autopay by Sept. 30 to get a temporary 1-percentage-point interest rate cut through June 30, 2028
• Already enrolled borrowers receive the...

Consolidated Parent PLUS loans require enrolling in ICR and making one payment before switching to IBR, which remains available after ICR phases out...

Two key federal student loan deadlines hit this month—miss them and face higher costs or automatic plan changes.

• Autopay enrollment: Sign up by...

• MOHELA sent notices claiming borrowers were thousands past due and nearing default, with some accounts incorrectly showing over $10,000 owed.
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• Deadline: Notices started July 2026; earliest 90-day window ends around September 29, 2026
• Interest impact: Accrual has resumed on former SAVE...

Sanders' Stop Social Security Garnishment Act would bar federal seizure of retirement or disability benefits to collect defaulted student loans,...

Federal borrowers facing SAVE transitions and default pressures face escalating consequences from missed payments.

• 30 days late: 6% late fee...

SAVE borrowers received rolling exit notices starting in July 2026, each triggering a personal 90-day window to switch plans. For the first wave, that...

• Parent PLUS locked out: 3.6 million borrowers with $115B in loans permanently excluded from RAP and all IDR after the June 30, 2026 consolidation...

• 67% of borrowers cannot afford new monthly payments after July 1 shifts, with median increases hitting $500.
• Parent PLUS holders face steepest...