US federal student loan repayment options and challenges

student loan repayment income-driven repayment loan deferment loan forbearance federal student loans

Following the end of the federal student loan repayment pause in September 2023, borrowers face various financial challenges. The government resumed “involuntary collection” in May 2025, and by 2026, some borrowers became subject to wage garnishment.

To manage these burdens, borrowers can contact their loan servicers regarding income-driven repayment plans. These plans may lower monthly payments to no more than 10% of discretionary income, and in some instances, the monthly amount may be $0.

Additionally, borrowers may seek deferment or forbearance. Deferment allows for a break in payments without interest accrual, whereas forbearance allows for a payment pause but interest continues to accrue on the balance.

Entities

Federal Student Aid Information Center · National Student Loan Data System

Sources

Here's what you need to do if you can't repay your student loans [kioncentralcoast.com]

8 days ago

Here's what you need to do if you can't repay your student loans [krdo.com]

9 days ago

Here's what you need to do if you can't repay your student loans [localnews8.com]

8 days ago

Here's what you need to do if you can't repay your student loans [kesq.com]

8 days ago

Student-loan borrowers get notices saying they have 30 more days to pick a new repayment plan [www.businessinsider.com]

7 days ago