Student loan borrower advocacy groups are warning that the Trump administration is taking concrete steps to try to limit student loan forgiveness for public servants. (Photo: Anna Moneymaker via Getty Images) https://t.co/9SBOOLEUiG https://t.co/oPVgI93uqN ...

Student loan borrower advocacy groups are warning that the Trump administration is taking concrete steps to try to limit student loan forgiveness for public servants. (Photo: Anna Moneymaker via Getty Images) https://t.co/TY6GYe9FVM https://t.co/JMvIrAU5xT ...

Is Trump Eliminating Student Loan Forgiveness Under PSLF? Advocacy Groups Raise Alarms https://t.co/U7Ecrf72G2 https://t.co/Lur33T7OpF ...

Some federal student loan borrowers can qualify for forgiveness through programs such as Public Service Loan Forgiveness (PSLF), Teacher Loan Forgiveness (TLF), or after making years of payments under an income-driven repayment (IDR) plan. These programs provide significant relief. As of September 2025, PSLF forgiveness eliminated $87.6 billion in combined outstanding loans for over 1.1 million borrowers. However, student loan forgiveness isn't always a clean break. Depending on the program and the year ...

Core Insights - The article discusses the changes to income-driven repayment (IDR) plans and loan forgiveness for federal student loan borrowers due to President Trump's One Big Beautiful Bill (OBBB) [1][16] IDR Plans Overview - Approximately 29% of federal loan borrowers are enrolled in IDR plans, which base monthly payments on a percentage of discretionary income and offer repayment terms of 20 or 25 years [2] - Current IDR plans include Income-Based Repayment (IBR), Income-Contingent Repayment (ICR), and Pay As You Earn (PAYE) [5][10] Payment Examples - A borrower with $20,000 in Grad PLUS Loans at an 8.9% interest rate would pay $226 monthly under a standard plan, but only $96 under PAYE, with forgiveness after 20 years [3] Future Changes to IDR Plans - Significant changes to IDR plans will take effect in July 2026, transitioning to a single Repayment Assistance Plan (RAP) for new borrowers, requiring 30 years of payments for forgiveness [5][16] - Current borrowers must transition to IBR, RAP, or standard repayment by July 1, 2028, as ICR and PAYE will be phased out [18] Parent PLUS Loan Borrowers - New Parent PLUS Loan borrowers after July 1, 2026, will not be eligible for ICR or loan forgiveness through IDR plans [19] - Current Parent PLUS borrowers must consolidate loans and enroll in ICR before the deadline to maintain eligibility for forgiveness [20]