Core Insights - The current landscape of student loan relief is becoming increasingly challenging for borrowers as forgiveness programs are scaled back and eligibility rules tighten [1][7] - Families are seeking proactive strategies to manage education costs before accumulating debt, with 529 plans gaining relevance as a savings tool [2][8] Group 1: Student Loan Management Challenges - Borrowers find it harder to manage student loans due to frequent rule changes and insufficient support, leading to prolonged debt [1] - Federal student loans are perceived as inflexible, with new borrowers facing less favorable repayment options after the implementation of the "one big beautiful bill" in 2025 [3][4] - Graduate school borrowing options are limited, with federal loans capped at $100,000 and PLUS loans no longer available, forcing families to consider higher-interest private loans [5][6] Group 2: Loan Forgiveness and Repayment Plans - Dependence on loan forgiveness is diminishing, with programs like Public Service Loan Forgiveness facing delays due to legal challenges [7] - By 2028, most borrowers are expected to be on standard repayment plans with fixed payments, regardless of income changes, leading to increased debt due to accruing interest [7]