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Digital Library: Major July Changes to Federal Student Loan Repayment

July 1, 2026

Beginning in July 2026, federal student loan repayment options are changing dramatically because of new “RISE” regulations implementing last summer’s reconciliation bill, the One Big Beautiful Bill Act (OBBBA) (Pub. L. No. 119-21, 139 Stat. 72), and also settlement of the litigation in Missouri v. Trump, No. 4:24-cv-00520 (E.D. Mo. Mar. 10, 2026) that resulted in the elimination of the…

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Losing The SAVE Rule Will Hurt All Federal Student Loan Borrowers; Restoring Some Provisions Could Help

June 30, 2026

A promised negotiated rulemaking provides an important opportunity to restore important protections for people with federal student loans. Although the SAVE Plan (Saving on a Valuable Education) is ending, the Department of Education should consider restoring regulatory provisions that apply to all IDR plans that could dramatically improve repayment options for borrowers. Background In 2023,…

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Comments on Proposed Income-Driven Repayment Plan Request Form for Federal Student Loans

June 15, 2026

NCLC submitted comments to the U.S. Department of Education recommending changes to its proposed new application form for federal student loan Income-Driven Repayment (IDR) plans. Our comments identify incorrect information on the form about plan eligibility requirements and recommend changes to ensure that the IDR Request Forms – and perhaps more importantly, the systems for…

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New Student Loan Repayment Rules Mean Higher Bills and More Time in Debt for Lowest Income Borrowers

April 30, 2026

On a Positive Note, Rules Ease Pathway for Borrowers To Get Out of Default

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What States & Local Governments Can Do to Support Immigrants' Financial Stability

June 22, 2026

States, counties, and local governments can help protect immigrants, their families, and communities from financial exploitation and other consumer abuses.

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New 2026 Edition of Surviving Debt Offers Expanded Resources for People Struggling in Affordability Crisis

April 14, 2026

Free Online Guide Provides New Resources for Dealing with Medical Debt, Student Debt, Disaster Relief, and Property Tax Foreclosures

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NerdWallet: Parent PLUS Loan Limits: Guide to Borrowing Changes in 2026

April 1, 2026

Appearing in NerdWallet on April 1, 2026, Elin Johnson talks to Kyra Taylor, staff attorney at NCLC about how Parent PLUS loans will face new restrictions, as part of an overhaul of the student loan landscape. “Borrowers often don’t realize that the government has extensive power to collect what you owe if you default on…

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The New York Times: Record Number of Student Loan Borrowers Are in Delinquency and Default

March 20, 2026

Appearing in The New York Times on March 20, 2026, Stacy Cowley talks to Kyra Taylor, staff attorney at NCLC, about recently released data from the Education Department, which showed that by the end of last year, 7.7 million borrowers had defaulted on $181 billion in federal student loans. “The last thing student loan borrowers…

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Associated Press: Student loans to go to Treasury Department as Trump continues to dismantle Education Department

March 19, 2026

Originally appearing in the Associated Press on March 19, 2026, Collin Binkley talks to Kyra Taylor, staff attorney at NCLC, about the U.S. Education Department’s decision to hand off a portion of its student loan portfolio to the Treasury Department. Student loan advocates condemned the move, saying it only adds to confusion as the Trump administration overhauls…

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Department Begins Kicking Over 7 Million People Out of Most Affordable Student Loan Payment Plan

March 27, 2026

Borrowers Enrolled in SAVE Plan Must Apply for a New Plan and Brace for Increased Monthly Payments

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Department of Education Adds Confusion to Repayment Process, Shifts Student Loan Servicing and Collections to Treasury

March 19, 2026

A year of policy changes, amid soaring cost of living, is wreaking havoc on student loan borrowers

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U.S. News & World Report: SAVE Student Loan Plan Is Dead: Answering Every Question About What Might Happen Next

March 13, 2026

Appearing in U.S. News & World Report on March 13, 2026, Greg Garrison talks to Abby Shafroth, managing director of advocacy at NCLC about how a federal appeals court dealt a fatal blow to the most affordable federal student loan repayment plan, starting a countdown clock for more than 7 million borrowers to transition into…

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