Student Loan Impact Tracker

House Republicans introduced legislation to formalize the transfer of student-loan accounts to Treasury, beginning with defaulted borrowers. This...

Public service workers risk permanently losing PSLF progress by enrolling in or being placed into the new Tiered Standard repayment plan, as payments...

PSLF Payment Timing Rules

• 🔥 Grace Period Eliminated: As of July 1, 2026, every qualifying PSLF payment must be made on or before the due date...

• Payment shock: Special education teacher Zack Beckman's SAVE plan payment jumped from $250 to $733 monthly, with his wife's loans pushing the...

New federal graduate borrowing limits of $100,000 total are binding for educators seeking administrative roles.

• Principal paths require a master’s...

Public service workers lose all leeway under PSLF. As of July 1, 2026, every payment must post on or before the due date or it won't count toward the 120 qualifying payments needed for forgiveness. Set autopay at least five days early to avoid risk.

• Undergraduates now receive prorated federal loans based on credit hours instead of full amounts at half-time enrollment.
• Parent PLUS loans face...

Over 12.5 million federal student loan borrowers could be in default by the end of 2026 if current trends hold. With the Treasury now resuming wage...

A borrower’s student-loan servicer contacted a high-school friend—without permission—after one missed payment, leaving multiple voicemails and raising...

Federal loans settle only after default (~270 days delinquent) via the Default Resolution Group. Standard options include waiving collection costs,...

• KeliAnne Piscopo, 59, works 70 hours weekly at three jobs yet still can't cover her new $95 monthly bill without extra shifts.
• Christine LaRocco,...

SAVE Plan Exit Guidance

• 🔥 90-Day Repayment Checklist: Borrowers exiting SAVE receive notices starting July 1, 2026, with 90 days to select a...

Many SSDI recipients now qualify for automatic TPD discharge of federal loans through SSA data sharing, with no application needed for those in MINE,...

Parent PLUS loans lack a grace period, so payments start 60 days after final disbursement—often catching parents off guard.

• In-school deferment:...

A federal judge's preliminary injunction temporarily blocks the Education Department's narrow "professional" degree definition, letting Penn Nursing...

Borrowers have 90 days from their servicer notice to actively select a new repayment plan or face automatic enrollment in the Standard Plan with...

• Act within 90 days (by late September) or face automatic enrollment in Standard/Tiered Standard plans
• Check balances immediately—interest resumed...

New federal borrowing limits and repayment rules took effect July 1, directly affecting graduate and Parent PLUS borrowers with higher potential...

• Default wave hits hard: 3.6 million borrowers defaulted in late 2025 and early 2026, with Treasury set to resume wage garnishment, tax offsets, and...

Suze Orman urges parents to think twice before borrowing for college, warning that new Parent PLUS limits of $20,000 per year and $65,000 total could...