How Millions of Borrowers Could Benefit From Biden's Student Debt Relief Plans
Government Efforts to Erase Student Loan Debt Reaches 3.6 Million Borrowers
What to Know Now About Student Loan Debt and Repayments
Feds Cancel $72 Million in Student Loans at For-Profit College That California Sued
How the Supreme Court Student Loan Decision Affects You
Student Loan Payments Resume in August. Here's What It Could Cost You
Thousands of Californians Are Eligible for Student Aid Under This Special Clause. But Many Don't Know It Exists
Biden's Student Loan Forgiveness Plan Is Going to the Supreme Court in Spring 2023
Biden Extends Student Loan Repayment Pause Into 2023
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(AP Photo/Evan Vucci, File)","imgSizes":{"medium":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2022/11/ap22316544959545-5a31af44a5bbad2b8a4f4ed2d20a51bc875413e6-800x600.jpg","width":800,"height":600,"mimeType":"image/jpeg"},"large":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2022/11/ap22316544959545-5a31af44a5bbad2b8a4f4ed2d20a51bc875413e6-1020x765.jpg","width":1020,"height":765,"mimeType":"image/jpeg"},"thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2022/11/ap22316544959545-5a31af44a5bbad2b8a4f4ed2d20a51bc875413e6-160x120.jpg","width":160,"height":120,"mimeType":"image/jpeg"},"1536x1536":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2022/11/ap22316544959545-5a31af44a5bbad2b8a4f4ed2d20a51bc875413e6-1536x1152.jpg","width":1536,"height":1152,"mimeType":"image/jpeg"},"2048x2048":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2022/11/ap22316544959545-5a31af44a5bbad2b8a4f4ed2d20a51bc875413e6-2048x1536.jpg","width":2048,"height":1536,"mimeType":"image/jpeg"},"post-thumbnail":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2022/11/ap22316544959545-5a31af44a5bbad2b8a4f4ed2d20a51bc875413e6-672x372.jpg","width":672,"height":372,"mimeType":"image/jpeg"},"twentyfourteen-full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2022/11/ap22316544959545-5a31af44a5bbad2b8a4f4ed2d20a51bc875413e6-1038x576.jpg","width":1038,"height":576,"mimeType":"image/jpeg"},"full-width":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2022/11/ap22316544959545-5a31af44a5bbad2b8a4f4ed2d20a51bc875413e6-1920x1440.jpg","width":1920,"height":1440,"mimeType":"image/jpeg"},"kqedFullSize":{"file":"https://ww2.kqed.org/app/uploads/sites/10/2022/11/ap22316544959545-5a31af44a5bbad2b8a4f4ed2d20a51bc875413e6-scaled.jpg","width":2560,"height":1920}},"fetchFailed":false,"isLoading":false}},"audioPlayerReducer":{"postId":"stream_live"},"authorsReducer":{"byline_news_11982251":{"type":"authors","id":"byline_news_11982251","meta":{"override":true},"slug":"byline_news_11982251","name":"\u003ca href=\"https://www.npr.org/people/821628026/sequoia-carrillo\">Sequoia Carrillo\u003c/a>","isLoading":false},"byline_news_11969190":{"type":"authors","id":"byline_news_11969190","meta":{"override":true},"slug":"byline_news_11969190","name":"\u003ca href=\"https://www.npr.org/people/349625027/cory-turner\">Cory Turner\u003c/a>\u003cbr> NPR News","isLoading":false},"byline_news_11963857":{"type":"authors","id":"byline_news_11963857","meta":{"override":true},"slug":"byline_news_11963857","name":"\u003ca href=\"https://edsource.org/author/asmith\">Ashley A. 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FM","link":"/"}},"news_11982251":{"type":"posts","id":"news_11982251","meta":{"index":"posts_1591205157","site":"news","id":"11982251","score":null,"sort":[1712610043000]},"guestAuthors":[],"slug":"how-millions-of-borrowers-could-benefit-from-bidens-student-debt-relief-plans","title":"How Millions of Borrowers Could Benefit From Biden's Student Debt Relief Plans","publishDate":1712610043,"format":"standard","headTitle":"How Millions of Borrowers Could Benefit From Biden’s Student Debt Relief Plans | KQED","labelTerm":{"term":253,"site":"news"},"content":"\u003cp>The Biden administration unveiled a new set of plans on Monday that would eliminate student debt for millions of Americans. The administration says that, if fully implemented, it would bring the number of borrowers who’ve seen some or all of their debt forgiven during the president’s term to more than 30 million.\u003c/p>\n\u003cp>The new plan, aiming to supplant an earlier version that was\u003ca href=\"https://www.npr.org/2023/06/30/1176839127/supreme-court-student-loan-forgiveness-decision\"> rejected by the U.S. Supreme Court in June\u003c/a>, offers targeted relief to specific groups of borrowers, notably those who’ve carried debt for many years, and those struggling to make payments. And many borrowers, regardless of income, could see relief from high interest balances.\u003c/p>\n\u003cp>[aside postID=\"news_11969190,news_11963857,news_11959751\" label=\"Related Stories\"]U.S. Education Secretary Miguel Cardona said the new proposals will fulfill a promise the president made while a candidate in 2020. The relief offered, he added, will mean “breathing room” for many borrowers. “It means freedom from feeling like your student loan bills compete with basic needs like grocery or health care.”\u003c/p>\n\u003cp>The announcement spelled out efforts aimed at four groups of borrowers: those who owe more money than they did at the start of their repayment, borrowers who started paying more than 20 years ago, those already eligible for existing loan forgiveness or discharge programs but haven’t yet applied, and borrowers facing economic hardship.\u003c/p>\n\u003ch2>Addressing ‘runaway interest’\u003c/h2>\n\u003cp>More than 25 million borrowers, the administration said, owe more in student loans now than they took out originally, due to what Cardona called “runaway interest.” The first element of the new plan would allow any borrower, regardless of their income, to cancel up to $20,000 in interest.\u003c/p>\n\u003cp>In addition, low- and middle-income borrowers who are enrolled in an income-driven repayment plan would have all of their interest forgiven. This group of borrowers includes single borrowers earning $120,000 or less a year, and married borrowers who make $240,000.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>If the plans go through as proposed, there would be no application necessary.\u003c/p>\n\u003cp>The administration estimates that this proposal would forgive some interest balances for 25 million borrowers, with 23 million receiving full forgiveness on their interest. Currently, about\u003ca href=\"https://studentaid.gov/data-center/student/portfolio\"> 43 million Americans have some form of student loan debt. \u003c/a>\u003c/p>\n\u003ch2>Automatic discharge for eligible borrowers\u003c/h2>\n\u003cp>Since Biden took office, several student loan programs have been revamped or re-negotiated to help ease borrowers’ debt, though many still require borrowers to apply. (The programs can be dense, but NPR has previously reported on these programs and how to navigate them: including \u003ca href=\"https://www.npr.org/2024/01/12/1224265472/student-loan-forgiveness-save-plan#:~:text=SAVE%20is%20the%20most%20forgiving%20repayment%20plan%20yet%20(literally)&text=The%20SAVE%20plan%20exempts%20more,afford%20to%20pay%20each%20month.\">the SAVE program\u003c/a>, \u003ca href=\"https://www.npr.org/2022/10/26/1131461940/student-loan-forgiveness-pslf\">public service loan forgiveness, \u003c/a>and \u003ca href=\"https://www.npr.org/2022/06/02/1101424651/corinthian-colleges-student-loan-forgiveness\">closed schools discharge\u003c/a>.)\u003c/p>\n\u003cp>As the administration noted in its announcement, not every borrower who qualifies for these programs has applied, with more than 2 million eligible borrowers who have not done so.\u003c/p>\n\u003cp>Under the proposed plan, qualifying borrowers would no longer have to enroll to receive forgiveness. The Education Department plans to use use data it already has to identify those borrowers, and automatically credit their accounts.\u003c/p>\n\u003ch2>Relief for long-time borrowers and those experiencing hardship\u003c/h2>\n\u003cp>The new proposals would also help long-term borrowers. According to the Education Department, more than 2.5 million borrowers have carried student loan debt for more than two decades. Under the plan, borrowers carrying undergraduate debt would qualify for forgiveness if they started repayment on or before July 1, 2005. Borrowers with graduate school debt would qualify if they started repayment on or before the same date in 2000.\u003c/p>\n\u003cp>In keeping with the theme of these announcements, borrowers would not need to be enrolled in any plan to qualify. The relief would be automatic.\u003c/p>\n\u003cp>A separate component would help those experiencing economic hardship. Some of this relief would be also happen automatically — for example, if a borrower is at a high risk of defaulting on their student loans. Other relief would require an application. The administration says borrowers who are struggling with medical debt or child care could apply for this program, if it is implemented.\u003c/p>\n\u003ch2>A new legal foothold for sweeping debt relief\u003c/h2>\n\u003cp>The Biden administration has made multiple attempts at discharging student loan debt since taking office. Perhaps most notably in 2022: \u003ca href=\"https://www.npr.org/2022/08/24/1118879917/student-loan-forgiveness-biden\">The president announced widespread relief of up to $20,000 for qualifying borrowers. \u003c/a>Millions of borrowers filled out the form to opt-in to the program, but the project was put on hold due to legal challenges. The Supreme Court struck down that plan in June of 2023.\u003c/p>\n\u003cp>This new approach has been in the works for some time, as the Education Department has been undergoing what’s called “negotiated rule-making” to develop a new avenue for debt relief since the original plan was overturned in June. They’ve been hearing from stakeholders, advocates, and critics in advance of this announcement.\u003c/p>\n\u003cp>It’s expected the new proposals will take some time before eligible borrowers can begin to see their debt eliminated. The Education Department must gather public comment on the proposal before issuing a final version of its plan.\u003c/p>\n\u003cp>The plan will likely face legal challenges as well, though though the rulemaking process may put this effort on stronger legal ground than the first debt-relief plan.\u003c/p>\n\u003cdiv class=\"fullattribution\">\u003cem>Copyright 2024 NPR. To see more, visit https://www.npr.org.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Biden+seeks+student+debt+relief+for+millions&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/em>\u003c/div>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"The sweeping new proposals, if enacted, could ease student loan debt for millions of borrowers.","status":"publish","parent":0,"modified":1712611227,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":20,"wordCount":889},"headData":{"title":"How Millions of Borrowers Could Benefit From Biden's Student Debt Relief Plans | KQED","description":"The sweeping new proposals, if enacted, could ease student loan debt for millions of borrowers.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"sticky":false,"nprImageCredit":"Steven Senne","nprByline":"\u003ca href=\"https://www.npr.org/people/821628026/sequoia-carrillo\">Sequoia Carrillo\u003c/a>","nprImageAgency":"AP","nprStoryId":"1243071907","nprApiLink":"http://api.npr.org/query?id=1243071907&apiKey=MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004","nprHtmlLink":"https://www.npr.org/2024/04/08/1243071907/biden-student-loan-debt-relief-millions?ft=nprml&f=1243071907","nprRetrievedStory":"1","nprPubDate":"Mon, 08 Apr 2024 08:09:00 -0400","nprStoryDate":"Mon, 08 Apr 2024 05:00:39 -0400","nprLastModifiedDate":"Mon, 08 Apr 2024 05:00:39 -0400","nprAudio":"https://play.podtrac.com/npr-191676894/ondemand.npr.org/anon.npr-mp3/npr/me/2024/04/20240408_me_biden_seeks_student_debt_relief_for_millions.mp3?orgId=1&topicId=1013&d=210&p=3&story=1243071907&ft=nprml&f=1243071907","nprAudioM3u":"http://api.npr.org/m3u/11243347245-47d28f.m3u?orgId=1&topicId=1013&d=210&p=3&story=1243071907&ft=nprml&f=1243071907","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11982251/how-millions-of-borrowers-could-benefit-from-bidens-student-debt-relief-plans","audioUrl":"https://play.podtrac.com/npr-191676894/ondemand.npr.org/anon.npr-mp3/npr/me/2024/04/20240408_me_biden_seeks_student_debt_relief_for_millions.mp3?orgId=1&topicId=1013&d=210&p=3&story=1243071907&ft=nprml&f=1243071907","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>The Biden administration unveiled a new set of plans on Monday that would eliminate student debt for millions of Americans. The administration says that, if fully implemented, it would bring the number of borrowers who’ve seen some or all of their debt forgiven during the president’s term to more than 30 million.\u003c/p>\n\u003cp>The new plan, aiming to supplant an earlier version that was\u003ca href=\"https://www.npr.org/2023/06/30/1176839127/supreme-court-student-loan-forgiveness-decision\"> rejected by the U.S. Supreme Court in June\u003c/a>, offers targeted relief to specific groups of borrowers, notably those who’ve carried debt for many years, and those struggling to make payments. And many borrowers, regardless of income, could see relief from high interest balances.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11969190,news_11963857,news_11959751","label":"Related Stories "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>U.S. Education Secretary Miguel Cardona said the new proposals will fulfill a promise the president made while a candidate in 2020. The relief offered, he added, will mean “breathing room” for many borrowers. “It means freedom from feeling like your student loan bills compete with basic needs like grocery or health care.”\u003c/p>\n\u003cp>The announcement spelled out efforts aimed at four groups of borrowers: those who owe more money than they did at the start of their repayment, borrowers who started paying more than 20 years ago, those already eligible for existing loan forgiveness or discharge programs but haven’t yet applied, and borrowers facing economic hardship.\u003c/p>\n\u003ch2>Addressing ‘runaway interest’\u003c/h2>\n\u003cp>More than 25 million borrowers, the administration said, owe more in student loans now than they took out originally, due to what Cardona called “runaway interest.” The first element of the new plan would allow any borrower, regardless of their income, to cancel up to $20,000 in interest.\u003c/p>\n\u003cp>In addition, low- and middle-income borrowers who are enrolled in an income-driven repayment plan would have all of their interest forgiven. This group of borrowers includes single borrowers earning $120,000 or less a year, and married borrowers who make $240,000.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>If the plans go through as proposed, there would be no application necessary.\u003c/p>\n\u003cp>The administration estimates that this proposal would forgive some interest balances for 25 million borrowers, with 23 million receiving full forgiveness on their interest. Currently, about\u003ca href=\"https://studentaid.gov/data-center/student/portfolio\"> 43 million Americans have some form of student loan debt. \u003c/a>\u003c/p>\n\u003ch2>Automatic discharge for eligible borrowers\u003c/h2>\n\u003cp>Since Biden took office, several student loan programs have been revamped or re-negotiated to help ease borrowers’ debt, though many still require borrowers to apply. (The programs can be dense, but NPR has previously reported on these programs and how to navigate them: including \u003ca href=\"https://www.npr.org/2024/01/12/1224265472/student-loan-forgiveness-save-plan#:~:text=SAVE%20is%20the%20most%20forgiving%20repayment%20plan%20yet%20(literally)&text=The%20SAVE%20plan%20exempts%20more,afford%20to%20pay%20each%20month.\">the SAVE program\u003c/a>, \u003ca href=\"https://www.npr.org/2022/10/26/1131461940/student-loan-forgiveness-pslf\">public service loan forgiveness, \u003c/a>and \u003ca href=\"https://www.npr.org/2022/06/02/1101424651/corinthian-colleges-student-loan-forgiveness\">closed schools discharge\u003c/a>.)\u003c/p>\n\u003cp>As the administration noted in its announcement, not every borrower who qualifies for these programs has applied, with more than 2 million eligible borrowers who have not done so.\u003c/p>\n\u003cp>Under the proposed plan, qualifying borrowers would no longer have to enroll to receive forgiveness. The Education Department plans to use use data it already has to identify those borrowers, and automatically credit their accounts.\u003c/p>\n\u003ch2>Relief for long-time borrowers and those experiencing hardship\u003c/h2>\n\u003cp>The new proposals would also help long-term borrowers. According to the Education Department, more than 2.5 million borrowers have carried student loan debt for more than two decades. Under the plan, borrowers carrying undergraduate debt would qualify for forgiveness if they started repayment on or before July 1, 2005. Borrowers with graduate school debt would qualify if they started repayment on or before the same date in 2000.\u003c/p>\n\u003cp>In keeping with the theme of these announcements, borrowers would not need to be enrolled in any plan to qualify. The relief would be automatic.\u003c/p>\n\u003cp>A separate component would help those experiencing economic hardship. Some of this relief would be also happen automatically — for example, if a borrower is at a high risk of defaulting on their student loans. Other relief would require an application. The administration says borrowers who are struggling with medical debt or child care could apply for this program, if it is implemented.\u003c/p>\n\u003ch2>A new legal foothold for sweeping debt relief\u003c/h2>\n\u003cp>The Biden administration has made multiple attempts at discharging student loan debt since taking office. Perhaps most notably in 2022: \u003ca href=\"https://www.npr.org/2022/08/24/1118879917/student-loan-forgiveness-biden\">The president announced widespread relief of up to $20,000 for qualifying borrowers. \u003c/a>Millions of borrowers filled out the form to opt-in to the program, but the project was put on hold due to legal challenges. The Supreme Court struck down that plan in June of 2023.\u003c/p>\n\u003cp>This new approach has been in the works for some time, as the Education Department has been undergoing what’s called “negotiated rule-making” to develop a new avenue for debt relief since the original plan was overturned in June. They’ve been hearing from stakeholders, advocates, and critics in advance of this announcement.\u003c/p>\n\u003cp>It’s expected the new proposals will take some time before eligible borrowers can begin to see their debt eliminated. The Education Department must gather public comment on the proposal before issuing a final version of its plan.\u003c/p>\n\u003cp>The plan will likely face legal challenges as well, though though the rulemaking process may put this effort on stronger legal ground than the first debt-relief plan.\u003c/p>\n\u003cdiv class=\"fullattribution\">\u003cem>Copyright 2024 NPR. To see more, visit https://www.npr.org.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Biden+seeks+student+debt+relief+for+millions&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/em>\u003c/div>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11982251/how-millions-of-borrowers-could-benefit-from-bidens-student-debt-relief-plans","authors":["byline_news_11982251"],"categories":["news_8"],"tags":["news_32707","news_29052","news_31872","news_25523"],"affiliates":["news_253"],"featImg":"news_11982252","label":"news_253"},"news_11969190":{"type":"posts","id":"news_11969190","meta":{"index":"posts_1591205157","site":"news","id":"11969190","score":null,"sort":[1701950431000]},"guestAuthors":[],"slug":"government-efforts-to-erase-student-loan-debt-reaches-3-6-million-borrowers","title":"Government Efforts to Erase Student Loan Debt Reaches 3.6 Million Borrowers","publishDate":1701950431,"format":"standard","headTitle":"Government Efforts to Erase Student Loan Debt Reaches 3.6 Million Borrowers | KQED","labelTerm":{"term":253,"site":"news"},"content":"\u003cp>More than 900,000 borrowers have had roughly $44 billion in federal student loan debts approved to be erased in the last year because of a little-understood effort to address past mistakes with federal income-driven (IDR) repayment plans, the U.S. Department of Education announced today.\u003c/p>\n\u003cp>In addition, the Department said almost 750,000 borrowers have now received up to $53.5 billion in relief through changes to the once-troubled Public Service Loan Forgiveness plan. [pullquote size=\"medium\" align=\"right\" citation=\"U.S. Secretary of Education Miguel Cardona\"]‘The data released today once again make clear that the Biden-Harris Administration’s relentless efforts to fix the broken student loan system are paying off in a big way.’[/pullquote]Combined, the Biden administration said it had approved the cancellation of nearly $132 billion in federal student loan debts for more than 3.6 million Americans. \u003c/p>\n\u003cp>“The data released today once again make clear that the Biden-Harris Administration’s relentless efforts to fix the broken student loan system are paying off in a big way. … ” U.S. Secretary of Education Miguel Cardona said in a statement. “This level of debt relief is unparalleled, and we have no intention of slowing down.”\u003c/p>\n\u003cp>The announcement is the latest result of a complex, slow-moving “account adjustment” the Department promised in \u003ca href=\"https://www.npr.org/2022/04/19/1093310151/student-loans-income-based-repayment\">April 2022\u003c/a>. That effort came after advocates and an \u003ca href=\"https://www.npr.org/2022/04/01/1089750113/student-loan-debt-investigation\">NPR investigation\u003c/a> revealed mistakes and mismanagement of IDR plans, which promise affordable monthly payments based on a borrower’s income and loan forgiveness after 20 or 25 years.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Among the problems the Biden administration committed to address: Some loan servicers weren’t keeping track of borrowers’ progress toward forgiveness, low-income borrowers didn’t always receive credit toward forgiveness when they made their monthly payments, and \u003ca href=\"https://www.npr.org/2022/12/19/1144064881/millions-of-student-loan-borrowers-debt-unnecessarily-spent-years-in-forbearance\">millions of borrowers spent long periods in forbearance\u003c/a> because that was easier for servicers than helping borrowers enroll in an IDR plan.\u003c/p>\n\u003cp>As a result, the Department committed to reviewing the loan histories of millions of borrowers and giving them retroactive credit for these mistakes, bringing many of them much closer to loan forgiveness.\u003c/p>\n\u003cp>This account adjustment has taken considerable time as the Department has been reviewing borrowers’ records in tranches. It \u003ca href=\"https://www.npr.org/2023/07/14/1187660793/student-loan-forgiveness-income-driven-repayment\">announced the first and largest tranche of loan forgiveness in July\u003c/a>, with 804,000 borrowers receiving $39 billion in debt relief. In early October, \u003ca href=\"https://www.ed.gov/news/press-releases/biden-harris-administration-announces-additional-9-billion-student-debt-relief\">it announced a second tranche\u003c/a> of 51,000 borrowers receiving another $2.8 billion in relief.\u003c/p>\n\u003cp>Wednesday marks the Department’s latest tranche of borrowers – an additional 46,000 who will receive $2.2 billion in relief – under the IDR account adjustment.\u003c/p>\n\u003ch2>‘I immediately just burst into tears’\u003c/h2>\n\u003cp>At the same time, the Education Department has also been updating its tally of borrowers who have received debt relief following its efforts to make it easier to qualify for Public Service Loan Forgiveness, a\u003ca href=\"https://www.npr.org/2018/10/17/653853227/the-student-loan-whistleblower\"> long-troubled program\u003c/a> that promises debt relief for borrowers who stay current on their payments while working for a decade in public service.\u003c/p>\n\u003cp>Phoema Dubra is one of those borrowers. She earned her master’s degree from Ole Miss and, until earlier this year, had about $80,000 in student loans. She now works as a speech-language pathologist in the public schools in Dallas. [aside label='More Stories on Student Loans' tag='student-loans']More than once over the years, Dubra struggled to afford her monthly loan payment but didn’t know she could enroll in a more flexible, income-based repayment plan. Instead, when she called her loan servicer for help, she said her loans were put into forbearance, pausing payments but allowing interest to keep accruing.\u003c/p>\n\u003cp>She wasn’t alone. According to federal data, nearly 12 million borrowers spent at least 12 straight months in forbearance in the decade before \u003ca href=\"https://www.npr.org/2023/10/02/1202937029/pause-on-federal-student-loans-ends-millions-have-to-make-payments-again\">the pandemic payment pause\u003c/a>. Nearly 5.5 million borrowers, including Dubra, spent at least \u003cem>three years\u003c/em> in forbearance. Many, perhaps most, could have benefited from income-based repayment had they known about it.\u003c/p>\n\u003cp>In February, Dubra was told that, under changes to PSLF rules, her remaining loans had been canceled in return for her decade of service in schools and a stint in a public hospital.\u003c/p>\n\u003cp>“I immediately just burst into tears,” Dubra said. She had called her loan servicer, “and the [call center worker] was so nice, and she said, ‘This is the purpose of this.’ I’ll never forget her saying that. ‘This is why we do this, because you’ve worked so hard to help other people, and now is our time to help you.'”\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"The Education Department said that changes to a pair of previously troubled programs have recently led to $4.8 billion in loan relief for another 80,000 borrowers. ","status":"publish","parent":0,"modified":1701986345,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":15,"wordCount":791},"headData":{"title":"Government Efforts to Erase Student Loan Debt Reaches 3.6 Million Borrowers | KQED","description":"The Education Department said that changes to a pair of previously troubled programs have recently led to $4.8 billion in loan relief for another 80,000 borrowers. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"sticky":false,"nprImageCredit":"Arin Yoon","nprByline":"\u003ca href=\"https://www.npr.org/people/349625027/cory-turner\">Cory Turner\u003c/a>\u003cbr> NPR News","nprImageAgency":"Bloomberg via Getty Images","nprStoryId":"1217552875","nprApiLink":"http://api.npr.org/query?id=1217552875&apiKey=MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004","nprHtmlLink":"https://www.npr.org/2023/12/06/1217552875/government-efforts-to-erase-student-loan-debt-have-now-reached-3-6-million-borro?ft=nprml&f=1217552875","nprRetrievedStory":"1","nprPubDate":"Wed, 06 Dec 2023 17:48:00 -0500","nprStoryDate":"Wed, 06 Dec 2023 15:19:54 -0500","nprLastModifiedDate":"Wed, 06 Dec 2023 15:29:11 -0500","nprAudio":"https://play.podtrac.com/npr-191676894/ondemand.npr.org/anon.npr-mp3/npr/atc/2023/12/20231206_atc_government_efforts_to_erase_student_loan_debt_have_now_reached_36_million_borrowers.mp3?orgId=1&topicId=1013&aggIds=1187230214&d=196&p=2&story=1217552875&ft=nprml&f=1217552875","nprAudioM3u":"http://api.npr.org/m3u/11217663405-950d8d.m3u?orgId=1&topicId=1013&aggIds=1187230214&d=196&p=2&story=1217552875&ft=nprml&f=1217552875","templateType":"standard","featuredImageType":"standard","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11969190/government-efforts-to-erase-student-loan-debt-reaches-3-6-million-borrowers","audioUrl":"https://play.podtrac.com/npr-191676894/ondemand.npr.org/anon.npr-mp3/npr/atc/2023/12/20231206_atc_government_efforts_to_erase_student_loan_debt_have_now_reached_36_million_borrowers.mp3?orgId=1&topicId=1013&aggIds=1187230214&d=196&p=2&story=1217552875&ft=nprml&f=1217552875","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>More than 900,000 borrowers have had roughly $44 billion in federal student loan debts approved to be erased in the last year because of a little-understood effort to address past mistakes with federal income-driven (IDR) repayment plans, the U.S. Department of Education announced today.\u003c/p>\n\u003cp>In addition, the Department said almost 750,000 borrowers have now received up to $53.5 billion in relief through changes to the once-troubled Public Service Loan Forgiveness plan. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘The data released today once again make clear that the Biden-Harris Administration’s relentless efforts to fix the broken student loan system are paying off in a big way.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"U.S. Secretary of Education Miguel Cardona","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Combined, the Biden administration said it had approved the cancellation of nearly $132 billion in federal student loan debts for more than 3.6 million Americans. \u003c/p>\n\u003cp>“The data released today once again make clear that the Biden-Harris Administration’s relentless efforts to fix the broken student loan system are paying off in a big way. … ” U.S. Secretary of Education Miguel Cardona said in a statement. “This level of debt relief is unparalleled, and we have no intention of slowing down.”\u003c/p>\n\u003cp>The announcement is the latest result of a complex, slow-moving “account adjustment” the Department promised in \u003ca href=\"https://www.npr.org/2022/04/19/1093310151/student-loans-income-based-repayment\">April 2022\u003c/a>. That effort came after advocates and an \u003ca href=\"https://www.npr.org/2022/04/01/1089750113/student-loan-debt-investigation\">NPR investigation\u003c/a> revealed mistakes and mismanagement of IDR plans, which promise affordable monthly payments based on a borrower’s income and loan forgiveness after 20 or 25 years.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Among the problems the Biden administration committed to address: Some loan servicers weren’t keeping track of borrowers’ progress toward forgiveness, low-income borrowers didn’t always receive credit toward forgiveness when they made their monthly payments, and \u003ca href=\"https://www.npr.org/2022/12/19/1144064881/millions-of-student-loan-borrowers-debt-unnecessarily-spent-years-in-forbearance\">millions of borrowers spent long periods in forbearance\u003c/a> because that was easier for servicers than helping borrowers enroll in an IDR plan.\u003c/p>\n\u003cp>As a result, the Department committed to reviewing the loan histories of millions of borrowers and giving them retroactive credit for these mistakes, bringing many of them much closer to loan forgiveness.\u003c/p>\n\u003cp>This account adjustment has taken considerable time as the Department has been reviewing borrowers’ records in tranches. It \u003ca href=\"https://www.npr.org/2023/07/14/1187660793/student-loan-forgiveness-income-driven-repayment\">announced the first and largest tranche of loan forgiveness in July\u003c/a>, with 804,000 borrowers receiving $39 billion in debt relief. In early October, \u003ca href=\"https://www.ed.gov/news/press-releases/biden-harris-administration-announces-additional-9-billion-student-debt-relief\">it announced a second tranche\u003c/a> of 51,000 borrowers receiving another $2.8 billion in relief.\u003c/p>\n\u003cp>Wednesday marks the Department’s latest tranche of borrowers – an additional 46,000 who will receive $2.2 billion in relief – under the IDR account adjustment.\u003c/p>\n\u003ch2>‘I immediately just burst into tears’\u003c/h2>\n\u003cp>At the same time, the Education Department has also been updating its tally of borrowers who have received debt relief following its efforts to make it easier to qualify for Public Service Loan Forgiveness, a\u003ca href=\"https://www.npr.org/2018/10/17/653853227/the-student-loan-whistleblower\"> long-troubled program\u003c/a> that promises debt relief for borrowers who stay current on their payments while working for a decade in public service.\u003c/p>\n\u003cp>Phoema Dubra is one of those borrowers. She earned her master’s degree from Ole Miss and, until earlier this year, had about $80,000 in student loans. She now works as a speech-language pathologist in the public schools in Dallas. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"More Stories on Student Loans ","tag":"student-loans"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>More than once over the years, Dubra struggled to afford her monthly loan payment but didn’t know she could enroll in a more flexible, income-based repayment plan. Instead, when she called her loan servicer for help, she said her loans were put into forbearance, pausing payments but allowing interest to keep accruing.\u003c/p>\n\u003cp>She wasn’t alone. According to federal data, nearly 12 million borrowers spent at least 12 straight months in forbearance in the decade before \u003ca href=\"https://www.npr.org/2023/10/02/1202937029/pause-on-federal-student-loans-ends-millions-have-to-make-payments-again\">the pandemic payment pause\u003c/a>. Nearly 5.5 million borrowers, including Dubra, spent at least \u003cem>three years\u003c/em> in forbearance. Many, perhaps most, could have benefited from income-based repayment had they known about it.\u003c/p>\n\u003cp>In February, Dubra was told that, under changes to PSLF rules, her remaining loans had been canceled in return for her decade of service in schools and a stint in a public hospital.\u003c/p>\n\u003cp>“I immediately just burst into tears,” Dubra said. She had called her loan servicer, “and the [call center worker] was so nice, and she said, ‘This is the purpose of this.’ I’ll never forget her saying that. ‘This is why we do this, because you’ve worked so hard to help other people, and now is our time to help you.'”\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11969190/government-efforts-to-erase-student-loan-debt-reaches-3-6-million-borrowers","authors":["byline_news_11969190"],"categories":["news_8"],"tags":["news_29052","news_27626","news_29063","news_25522","news_31872","news_25523","news_21567"],"affiliates":["news_253"],"featImg":"news_11969191","label":"news_253"},"news_11963857":{"type":"posts","id":"news_11963857","meta":{"index":"posts_1591205157","site":"news","id":"11963857","score":null,"sort":[1696879709000]},"guestAuthors":[],"slug":"what-to-know-now-about-student-loan-debt-and-repayments","title":"What to Know Now About Student Loan Debt and Repayments","publishDate":1696879709,"format":"standard","headTitle":"What to Know Now About Student Loan Debt and Repayments | KQED","labelTerm":{},"content":"\u003cp>This month, payments on student loan debt for millions of borrowers across the country restarted after the three-year pandemic pause. California has some of the lowest tuition rates in the nation, but the state’s residents carry higher than average student debt balances, risky graduate school debt, and a unique reliance on parent-held debt, according to a\u003ca href=\"https://edsource.org/2023/despite-low-public-tuition-california-ranks-in-top-third-among-states-for-average-student-debt/697841?amp=1\"> recently released report\u003c/a> from The Century Foundation.\u003c/p>\n\u003ch2>Here’s what borrowers need to know if they already have student loans:\u003c/h2>\n\u003ch2>When do repayments restart?\u003c/h2>\n\u003cp>The pandemic-era pause on federal student loan payments has ended. Repayment for most borrowers resumed Oct. 1. Interest has already restarted accruing, as of September. However, if you’re currently enrolled in school or recently graduated, then for most federal student loan types, you have a six- to nine-month grace period from the moment you graduate, leave school or drop below half-time enrollment. And for most loans, interest accrues during your grace period.\u003c/p>\n\u003cp>The U.S. Department of Education is giving borrowers a one-year “on-ramp” to repayment through Sept. 30, 2024, which prevents people from falling into delinquency or default if they miss payments. Interest will still accrue, but any missed payments won’t lead to negative credit reporting.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch2>What repayment plans are available?\u003c/h2>\n\u003cul>\n\u003cli>\u003cstrong>Standard: \u003c/strong>Payments are a fixed amount that ensures your loans are paid off within 10 years, or 10 to 30 for consolidated loans.\u003c/li>\n\u003cli>\u003cstrong>Graduated: \u003c/strong>Payments are lower at first and then increase, usually every two years, and are for an amount that will ensure loans are paid off within 10 years or 10 to 30 years for consolidated loans.\u003c/li>\n\u003cli>\u003cstrong>Extended: \u003c/strong>Borrower must have more than $30,000 in outstanding direct loans. Payments are fixed or graduated and will ensure loans are paid off within 25 years.\u003c/li>\n\u003cli>\u003cstrong>Saving on a Valuable Education (SAVE) Plan, formerly the REPAYE plan \u003c/strong>\n\u003cul>\n\u003cli>Monthly payments will be 10% of \u003ca href=\"https://studentaid.gov/help-center/answers/topic/glossary/article/discretionary-income\">discretionary income\u003c/a>, which the department defines as the difference between annual income and a percentage of the \u003ca href=\"https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines\">poverty \u003c/a>guideline for a borrower’s family size and state of residence.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003cli>Spousal income or debt is considered if the borrower files a joint tax return.\u003c/li>\n\u003cli>Any outstanding balance is forgiven if the loan isn’t repaid after 20 years for undergraduate study or 25 years for graduate or professional study.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Pay-as-you-earn repayment plan (PAYE) \u003c/strong>\n\u003cul>\n\u003cli>Must be a new borrower on or after Oct. 1, 2007, or received a loan on or after Oct. 1, 2011.\u003c/li>\n\u003cli>Monthly payments will be 10% of discretionary income but never more than what you could pay under the 10-year standard repayment plan.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Income-based repayment plan (IBR)\u003c/strong>\n\u003cul>\n\u003cli>Must have high debt relative to income.\u003c/li>\n\u003cli>Monthly payments will be either 10% or 15% of discretionary income, but never more than what you could pay under the 10-year standard repayment plan.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003cli>Spousal income or debt is considered if the borrower files joint tax returns.\u003c/li>\n\u003cli>Any outstanding balance.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Income-contingent Repayment Plan: \u003c/strong>Monthly payments are the lesser of what you would pay on a repayment plan with a fixed monthly payment over 12 years and adjusted based on income, or 20% of your discretionary income, divided by 12. Parent PLUS borrowers are eligible if they consolidate the debt into a direct loan.\u003c/li>\n\u003c/ul>\n\u003ch2>What about my interest rate?\u003c/h2>\n\u003cp>Interest rates remain unchanged from what borrowers had before the pandemic pause. However, you may see a different rate if you enter a new repayment plan or consolidate your loans.\u003c/p>\n\u003cp>Interest rates are set by the Department of Education and tied to the 10-year Treasury note. Federal student loans borrowed after 2006 have fixed rates.\u003c/p>\n\u003ch2>Why does the government charge interest on student loans?\u003c/h2>\n\u003cp>“One argument would be we want people to have the incentive to pay back the loans, hence their interest rates,” said Peter Granville, a fellow at The Century Foundation studying federal and state policy efforts to improve college affordability. Other arguments include appealing to Congress to get rid of interest rates, or moving to debt-free college altogether, he said.\u003c/p>\n\u003cp>“Having debt is an emotionally weighty circumstance to be in, and nobody wants to take on debt, but we do it to finance the education that people need,” Granville said.\u003c/p>\n\u003ch2>Does the federal government make money off student loans?\u003c/h2>\n\u003cp>It’s unclear. Last year, a report from the U.S. Government Accountability Office found the Department of Education miscalculated the cost of the federal student loan program. The department initially estimated that it would generate $114 billion from federal direct student loans; however, the GAO discovered that as of 2021, the program \u003ca href=\"https://www.gao.gov/products/gao-22-105365\">cost the government\u003c/a> $197 billion. Part of the shortfall is due to the cost of the three-year pandemic pause, but most of it is because the department failed to consider the percentage of borrowers who would choose to enroll in income-driven repayment plans, the GAO concluded.\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Peter Granville, fellow, The Century Foundation\"]‘Having debt is an emotionally weighty circumstance to be in, and nobody wants to take on debt, but we do it to finance the education that people need.’[/pullquote]The GAO further explained it’s difficult to estimate future costs because borrowers’ incomes, family sizes and payment decisions change over time. It’s also difficult to examine past costs because there is a lack of historical data when new changes are introduced to student loan programs.\u003c/p>\n\u003cp>The Congressional Budget Office in 2022 \u003ca href=\"https://www.cbo.gov/system/files/2022-05/51310-2022-05-studentloan.pdf\">projected (PDF)\u003c/a> that the only loan program the government would see revenue from is the Parent PLUS program. The government loses money or subsidizes undergraduates, graduates and Grad PLUS loans.\u003c/p>\n\u003cp>Tiara Moultrie, a fellow at The Century Foundation focusing on higher education accountability, said there is concern among those analyzing student loans that the government will lose more money on student loans as more people enroll in income-driven repayment plans like the new SAVE plan. The \u003ca href=\"https://www.cbo.gov/system/files/2023-03/58983-IDR.pdf\">CBO estimates (PDF)\u003c/a> that by 2027, the total percentage of borrowers in an income-driven plan will increase by about 12% annually. Typically, for every $1 invested in an income-driven covered loan, the government loses 17 cents.\u003c/p>\n\u003cp>Currently, out of 43.4 million borrowers, 8.5 million are in an income-driven repayment plan.\u003c/p>\n\u003ch2>What if I have trouble repaying my loan?\u003c/h2>\n\u003cp>Contact your loan servicer to discuss options. You may choose to change repayment plans to lower monthly costs, request deferments, or enter forbearance, which allows you to stop making payments temporarily.\u003c/p>\n\u003ch2>What is the department’s relationship to loan servicers?\u003c/h2>\n\u003cp>Loan servicers like MOHELA, Nelnet, EdFinancial and ECSI are private contractors hired by the department to service loans. They are assigned to handle billing, and payment plans, and advise and assist borrowers with their student loans at no cost to borrowers.\u003c/p>\n\u003cp>Your servicer may have changed during the pandemic from one company to another because their contract with the department wasn’t renewed, or a new servicer was awarded a contract. These contracts typically last five years until renewal or cancellation. Sometimes a change happens when a borrower enters a new repayment or forgiveness program — for example, only one servicer handles Public Service Loan Forgiveness.\u003c/p>\n\u003cp>The servicers should notify borrowers if there is a change.\u003c/p>\n\u003ch2>Can I discharge my loans in bankruptcy?\u003c/h2>\n\u003cp>Yes, but it depends on the terms of the bankruptcy court’s decision. Those terms may include full discharge, partial discharge, or full repayment but with different terms like a lower interest rate.\u003c/p>\n\u003ch2>How can I get my student loan forgiven, canceled or discharged?\u003c/h2>\n\u003cp>There are a variety of ways to get a federal student loan canceled. For example, teachers are eligible for up to $17,500 in forgiveness through the \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/teacher\">Teacher Loan Forgiveness program\u003c/a>. Government employees, nurses, police officers, nonprofit workers and other people who work in public service may qualify for the \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service/public-service-loan-forgiveness-application\">Public Service Loan Forgiveness program\u003c/a>. For those with a disability, there is the \u003ca href=\"https://www.disabilitydischarge.com/\">Total and Permanent Disability Discharge\u003c/a> program. Finally, borrowers who participate in \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">income-driven repayment plans\u003c/a> are eligible for loan forgiveness if they’ve been in repayment for 20 or 25 years.\u003c/p>\n\u003cp>[aside postID=news_11959751 hero='https://ww2.kqed.org/app/uploads/sites/10/2023/08/GettyImages-1242692566-1020x689.jpg']Loans are also discharged or forgiven if your college or school closed while you were enrolled or shortly after you withdrew, or, if your college misled you or engaged in some other misconduct. Such forgiveness plans are known as \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/closed-school\">closed-school discharge\u003c/a> and \u003ca href=\"https://studentaid.gov/borrower-defense/\">borrower defense\u003c/a>.\u003c/p>\n\u003cp>On Wednesday, President Joe Biden \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2023/10/04/president-biden-announces-an-additional-9-billion-in-student-debt-relief-for-125000-americans/\">announced $9 billion\u003c/a> more in student debt relief for borrowers under Public Service Loan Forgiveness, disability forgiveness, and other income-driven repayment plans.\u003c/p>\n\u003ch2>What happens to my loans if I die?\u003c/h2>\n\u003cp>Loans will be discharged after the required proof of death is submitted.\u003c/p>\n\u003ch2>What happens to my parent’s PLUS loan if my parent dies, or if I die?\u003c/h2>\n\u003cp>The loan will be discharged if your parent dies or you, the student, dies.\u003c/p>\n\u003ch2>For students applying for loans:\u003c/h2>\n\u003ch2>How do I apply for student loans?\u003c/h2>\n\u003cp>You may be offered student loans as part of your college’s financial aid offer. Loans can come from a variety of sources, such as private banks, organizations and the federal government.\u003c/p>\n\u003ch2>What types of federal student loans exist?\u003c/h2>\n\u003cp>Undergraduate students who demonstrate financial need can receive Direct Subsidized Loans. Direct Unsubsidized Loans do not require students to demonstrate need. They are available to eligible undergraduate, graduate and professional students.\u003c/p>\n\u003cp>Complete the \u003ca href=\"https://studentaid.gov/h/apply-for-aid/fafsa\">Free Application for Federal Student Aid\u003c/a>. Your college will tell you how to accept all or part of the loan offered. However, before receiving money you are required to enter loan entrance counseling and sign a Master Promissory Note.\u003c/p>\n\u003cp>There are also Direct PLUS Loans:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://studentaid.gov/plus-app/grad/landing\">Grad PLUS \u003c/a>loans are given to graduate or professional students to help cover expenses. Borrowers do not need to demonstrate financial need, but they are subject to a credit check. People with poor credit histories must meet additional requirements.\u003c/li>\n\u003cli>Parent PLUS loans are given to parents of dependent undergraduate students to cover expenses. Borrowers do not need to demonstrate financial need, but they are subject to a credit check. People with poor credit histories must meet additional requirements.\u003c/li>\n\u003c/ul>\n\u003ch2>How much can I borrow?\u003c/h2>\n\u003cp>Undergraduate students can receive direct subsidized and unsubsidized loans from $5,500 to $12,500 per year, depending on the year they are in school and their dependency status.\u003c/p>\n\u003cp>Graduate and professional students can borrow up to $20,500 each year for unsubsidized loans. PLUS loans are uncapped and determined by the student’s school to cover any expenses not covered by other financial aid.\u003c/p>\n\u003cp>\u003ca href=\"https://edsource.org/2023/what-you-need-to-know-about-student-loan-debt-and-repayments/698337\">\u003cem>This report originally appeared in EdSource.\u003c/em>\u003c/a>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"The US Department of Education is giving borrowers a 1-year on-ramp to repayment through Sept. 30, 2024 to prevent people from falling into delinquency or default.","status":"publish","parent":0,"modified":1696965622,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":31,"wordCount":1868},"headData":{"title":"What to Know Now About Student Loan Debt and Repayments | KQED","description":"The US Department of Education is giving borrowers a 1-year on-ramp to repayment through Sept. 30, 2024 to prevent people from falling into delinquency or default.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"source":"edsource","sourceUrl":"https://edsource.org/","nprByline":"\u003ca href=\"https://edsource.org/author/asmith\">Ashley A. Smith\u003c/a>","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11963857/what-to-know-now-about-student-loan-debt-and-repayments","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>This month, payments on student loan debt for millions of borrowers across the country restarted after the three-year pandemic pause. California has some of the lowest tuition rates in the nation, but the state’s residents carry higher than average student debt balances, risky graduate school debt, and a unique reliance on parent-held debt, according to a\u003ca href=\"https://edsource.org/2023/despite-low-public-tuition-california-ranks-in-top-third-among-states-for-average-student-debt/697841?amp=1\"> recently released report\u003c/a> from The Century Foundation.\u003c/p>\n\u003ch2>Here’s what borrowers need to know if they already have student loans:\u003c/h2>\n\u003ch2>When do repayments restart?\u003c/h2>\n\u003cp>The pandemic-era pause on federal student loan payments has ended. Repayment for most borrowers resumed Oct. 1. Interest has already restarted accruing, as of September. However, if you’re currently enrolled in school or recently graduated, then for most federal student loan types, you have a six- to nine-month grace period from the moment you graduate, leave school or drop below half-time enrollment. And for most loans, interest accrues during your grace period.\u003c/p>\n\u003cp>The U.S. Department of Education is giving borrowers a one-year “on-ramp” to repayment through Sept. 30, 2024, which prevents people from falling into delinquency or default if they miss payments. Interest will still accrue, but any missed payments won’t lead to negative credit reporting.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch2>What repayment plans are available?\u003c/h2>\n\u003cul>\n\u003cli>\u003cstrong>Standard: \u003c/strong>Payments are a fixed amount that ensures your loans are paid off within 10 years, or 10 to 30 for consolidated loans.\u003c/li>\n\u003cli>\u003cstrong>Graduated: \u003c/strong>Payments are lower at first and then increase, usually every two years, and are for an amount that will ensure loans are paid off within 10 years or 10 to 30 years for consolidated loans.\u003c/li>\n\u003cli>\u003cstrong>Extended: \u003c/strong>Borrower must have more than $30,000 in outstanding direct loans. Payments are fixed or graduated and will ensure loans are paid off within 25 years.\u003c/li>\n\u003cli>\u003cstrong>Saving on a Valuable Education (SAVE) Plan, formerly the REPAYE plan \u003c/strong>\n\u003cul>\n\u003cli>Monthly payments will be 10% of \u003ca href=\"https://studentaid.gov/help-center/answers/topic/glossary/article/discretionary-income\">discretionary income\u003c/a>, which the department defines as the difference between annual income and a percentage of the \u003ca href=\"https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines\">poverty \u003c/a>guideline for a borrower’s family size and state of residence.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003cli>Spousal income or debt is considered if the borrower files a joint tax return.\u003c/li>\n\u003cli>Any outstanding balance is forgiven if the loan isn’t repaid after 20 years for undergraduate study or 25 years for graduate or professional study.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Pay-as-you-earn repayment plan (PAYE) \u003c/strong>\n\u003cul>\n\u003cli>Must be a new borrower on or after Oct. 1, 2007, or received a loan on or after Oct. 1, 2011.\u003c/li>\n\u003cli>Monthly payments will be 10% of discretionary income but never more than what you could pay under the 10-year standard repayment plan.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Income-based repayment plan (IBR)\u003c/strong>\n\u003cul>\n\u003cli>Must have high debt relative to income.\u003c/li>\n\u003cli>Monthly payments will be either 10% or 15% of discretionary income, but never more than what you could pay under the 10-year standard repayment plan.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003cli>Spousal income or debt is considered if the borrower files joint tax returns.\u003c/li>\n\u003cli>Any outstanding balance.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Income-contingent Repayment Plan: \u003c/strong>Monthly payments are the lesser of what you would pay on a repayment plan with a fixed monthly payment over 12 years and adjusted based on income, or 20% of your discretionary income, divided by 12. Parent PLUS borrowers are eligible if they consolidate the debt into a direct loan.\u003c/li>\n\u003c/ul>\n\u003ch2>What about my interest rate?\u003c/h2>\n\u003cp>Interest rates remain unchanged from what borrowers had before the pandemic pause. However, you may see a different rate if you enter a new repayment plan or consolidate your loans.\u003c/p>\n\u003cp>Interest rates are set by the Department of Education and tied to the 10-year Treasury note. Federal student loans borrowed after 2006 have fixed rates.\u003c/p>\n\u003ch2>Why does the government charge interest on student loans?\u003c/h2>\n\u003cp>“One argument would be we want people to have the incentive to pay back the loans, hence their interest rates,” said Peter Granville, a fellow at The Century Foundation studying federal and state policy efforts to improve college affordability. Other arguments include appealing to Congress to get rid of interest rates, or moving to debt-free college altogether, he said.\u003c/p>\n\u003cp>“Having debt is an emotionally weighty circumstance to be in, and nobody wants to take on debt, but we do it to finance the education that people need,” Granville said.\u003c/p>\n\u003ch2>Does the federal government make money off student loans?\u003c/h2>\n\u003cp>It’s unclear. Last year, a report from the U.S. Government Accountability Office found the Department of Education miscalculated the cost of the federal student loan program. The department initially estimated that it would generate $114 billion from federal direct student loans; however, the GAO discovered that as of 2021, the program \u003ca href=\"https://www.gao.gov/products/gao-22-105365\">cost the government\u003c/a> $197 billion. Part of the shortfall is due to the cost of the three-year pandemic pause, but most of it is because the department failed to consider the percentage of borrowers who would choose to enroll in income-driven repayment plans, the GAO concluded.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘Having debt is an emotionally weighty circumstance to be in, and nobody wants to take on debt, but we do it to finance the education that people need.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Peter Granville, fellow, The Century Foundation","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The GAO further explained it’s difficult to estimate future costs because borrowers’ incomes, family sizes and payment decisions change over time. It’s also difficult to examine past costs because there is a lack of historical data when new changes are introduced to student loan programs.\u003c/p>\n\u003cp>The Congressional Budget Office in 2022 \u003ca href=\"https://www.cbo.gov/system/files/2022-05/51310-2022-05-studentloan.pdf\">projected (PDF)\u003c/a> that the only loan program the government would see revenue from is the Parent PLUS program. The government loses money or subsidizes undergraduates, graduates and Grad PLUS loans.\u003c/p>\n\u003cp>Tiara Moultrie, a fellow at The Century Foundation focusing on higher education accountability, said there is concern among those analyzing student loans that the government will lose more money on student loans as more people enroll in income-driven repayment plans like the new SAVE plan. The \u003ca href=\"https://www.cbo.gov/system/files/2023-03/58983-IDR.pdf\">CBO estimates (PDF)\u003c/a> that by 2027, the total percentage of borrowers in an income-driven plan will increase by about 12% annually. Typically, for every $1 invested in an income-driven covered loan, the government loses 17 cents.\u003c/p>\n\u003cp>Currently, out of 43.4 million borrowers, 8.5 million are in an income-driven repayment plan.\u003c/p>\n\u003ch2>What if I have trouble repaying my loan?\u003c/h2>\n\u003cp>Contact your loan servicer to discuss options. You may choose to change repayment plans to lower monthly costs, request deferments, or enter forbearance, which allows you to stop making payments temporarily.\u003c/p>\n\u003ch2>What is the department’s relationship to loan servicers?\u003c/h2>\n\u003cp>Loan servicers like MOHELA, Nelnet, EdFinancial and ECSI are private contractors hired by the department to service loans. They are assigned to handle billing, and payment plans, and advise and assist borrowers with their student loans at no cost to borrowers.\u003c/p>\n\u003cp>Your servicer may have changed during the pandemic from one company to another because their contract with the department wasn’t renewed, or a new servicer was awarded a contract. These contracts typically last five years until renewal or cancellation. Sometimes a change happens when a borrower enters a new repayment or forgiveness program — for example, only one servicer handles Public Service Loan Forgiveness.\u003c/p>\n\u003cp>The servicers should notify borrowers if there is a change.\u003c/p>\n\u003ch2>Can I discharge my loans in bankruptcy?\u003c/h2>\n\u003cp>Yes, but it depends on the terms of the bankruptcy court’s decision. Those terms may include full discharge, partial discharge, or full repayment but with different terms like a lower interest rate.\u003c/p>\n\u003ch2>How can I get my student loan forgiven, canceled or discharged?\u003c/h2>\n\u003cp>There are a variety of ways to get a federal student loan canceled. For example, teachers are eligible for up to $17,500 in forgiveness through the \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/teacher\">Teacher Loan Forgiveness program\u003c/a>. Government employees, nurses, police officers, nonprofit workers and other people who work in public service may qualify for the \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service/public-service-loan-forgiveness-application\">Public Service Loan Forgiveness program\u003c/a>. For those with a disability, there is the \u003ca href=\"https://www.disabilitydischarge.com/\">Total and Permanent Disability Discharge\u003c/a> program. Finally, borrowers who participate in \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">income-driven repayment plans\u003c/a> are eligible for loan forgiveness if they’ve been in repayment for 20 or 25 years.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11959751","hero":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/GettyImages-1242692566-1020x689.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Loans are also discharged or forgiven if your college or school closed while you were enrolled or shortly after you withdrew, or, if your college misled you or engaged in some other misconduct. Such forgiveness plans are known as \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/closed-school\">closed-school discharge\u003c/a> and \u003ca href=\"https://studentaid.gov/borrower-defense/\">borrower defense\u003c/a>.\u003c/p>\n\u003cp>On Wednesday, President Joe Biden \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2023/10/04/president-biden-announces-an-additional-9-billion-in-student-debt-relief-for-125000-americans/\">announced $9 billion\u003c/a> more in student debt relief for borrowers under Public Service Loan Forgiveness, disability forgiveness, and other income-driven repayment plans.\u003c/p>\n\u003ch2>What happens to my loans if I die?\u003c/h2>\n\u003cp>Loans will be discharged after the required proof of death is submitted.\u003c/p>\n\u003ch2>What happens to my parent’s PLUS loan if my parent dies, or if I die?\u003c/h2>\n\u003cp>The loan will be discharged if your parent dies or you, the student, dies.\u003c/p>\n\u003ch2>For students applying for loans:\u003c/h2>\n\u003ch2>How do I apply for student loans?\u003c/h2>\n\u003cp>You may be offered student loans as part of your college’s financial aid offer. Loans can come from a variety of sources, such as private banks, organizations and the federal government.\u003c/p>\n\u003ch2>What types of federal student loans exist?\u003c/h2>\n\u003cp>Undergraduate students who demonstrate financial need can receive Direct Subsidized Loans. Direct Unsubsidized Loans do not require students to demonstrate need. They are available to eligible undergraduate, graduate and professional students.\u003c/p>\n\u003cp>Complete the \u003ca href=\"https://studentaid.gov/h/apply-for-aid/fafsa\">Free Application for Federal Student Aid\u003c/a>. Your college will tell you how to accept all or part of the loan offered. However, before receiving money you are required to enter loan entrance counseling and sign a Master Promissory Note.\u003c/p>\n\u003cp>There are also Direct PLUS Loans:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://studentaid.gov/plus-app/grad/landing\">Grad PLUS \u003c/a>loans are given to graduate or professional students to help cover expenses. Borrowers do not need to demonstrate financial need, but they are subject to a credit check. People with poor credit histories must meet additional requirements.\u003c/li>\n\u003cli>Parent PLUS loans are given to parents of dependent undergraduate students to cover expenses. Borrowers do not need to demonstrate financial need, but they are subject to a credit check. People with poor credit histories must meet additional requirements.\u003c/li>\n\u003c/ul>\n\u003ch2>How much can I borrow?\u003c/h2>\n\u003cp>Undergraduate students can receive direct subsidized and unsubsidized loans from $5,500 to $12,500 per year, depending on the year they are in school and their dependency status.\u003c/p>\n\u003cp>Graduate and professional students can borrow up to $20,500 each year for unsubsidized loans. PLUS loans are uncapped and determined by the student’s school to cover any expenses not covered by other financial aid.\u003c/p>\n\u003cp>\u003ca href=\"https://edsource.org/2023/what-you-need-to-know-about-student-loan-debt-and-repayments/698337\">\u003cem>This report originally appeared in EdSource.\u003c/em>\u003c/a>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11963857/what-to-know-now-about-student-loan-debt-and-repayments","authors":["byline_news_11963857"],"categories":["news_18540","news_8"],"tags":["news_20382","news_27626","news_30899","news_25523"],"featImg":"news_11963859","label":"source_news_11963857"},"news_11959751":{"type":"posts","id":"news_11959751","meta":{"index":"posts_1591205157","site":"news","id":"11959751","score":null,"sort":[1693514696000]},"guestAuthors":[],"slug":"feds-cancel-72-million-in-student-loans-at-for-profit-college-that-california-sued","title":"Feds Cancel $72 Million in Student Loans at For-Profit College That California Sued","publishDate":1693514696,"format":"standard","headTitle":"Feds Cancel $72 Million in Student Loans at For-Profit College That California Sued | KQED","labelTerm":{"site":"news"},"content":"\u003cp>The Biden administration is canceling $72 million in student loans for 2,300 borrowers who say they were cheated by Ashford University, a former for-profit college that was purchased by the University of Arizona in 2020.\u003c/p>\n\u003cp>The U.S. Department of Education announced the action Wednesday, saying it will seek to recoup the money from the University of Arizona.[aside postID=news_11773028]The university denies any liability, saying in a statement that it had “absolutely no involvement in, and is not directly or indirectly responsible for, the actions of Ashford and its parent company” and will be “assessing its options.”\u003c/p>\n\u003cp>Before its sale, Ashford was an online for-profit college that enrolled more than 100,000 students. It was owned by the company Zovio and based in San Diego.\u003c/p>\n\u003cp>A California court in 2022 found that Ashford frequently lied to students to get them to enroll. Its recruiters misled students about the college’s accreditation, costs and the amount of time it would take to graduate, the court concluded.\u003c/p>\n\u003cp>That lawsuit, brought by the state of California, was the basis of the Education Department’s cancellation.\u003c/p>\n\u003cp>President Joe Biden said his administration “won’t stand for colleges taking advantage of hardworking students and borrowers.”\u003c/p>\n\u003cp>“These borrowers were lied to about the cost of attending Ashford, were misled about how long it would take to get a degree, and were deceived about the transferability of Ashford credits,” Biden said in a statement. “They deserve better.”[pullquote align=\"right\" size=\"medium\" citation=\"President Joe Biden\"]‘These borrowers were lied to about the cost of attending Ashford, were misled about how long it would take to get a degree, and were deceived about the transferability of Ashford credits. … They deserve better.’[/pullquote]The action will automatically discharge loans for 2,300 borrowers who attended Ashford from March 2009 through April 2020 and applied for cancellation through the Education Department’s borrower defense program. Those borrowers will see their loan balances zeroed out, and they will be refunded for payments on their federal loans.\u003c/p>\n\u003cp>California Attorney General Rob Bonta encouraged other former Ashford students to apply for relief if they were deceived.\u003c/p>\n\u003cp>“What Ashford University did to its students was unconscionable and illegal,” Bonta said. “That’s why the California Department of Justice took Ashford and its parent company to court.”\u003c/p>\n\u003cp>Under its previous ownership, Ashford’s recruiters told students they would be able to work as teachers, social workers, nurses and drug and alcohol counselors, but the school never got accreditation for those professions, according to California’s lawsuit.\u003c/p>\n\u003cp>Recruiters also told potential students they would never face out-of-pocket costs, which wasn’t always true, and they boasted about “accelerated” programs, even though the bachelor’s degree programs were structured to take five years to finish, the suit said.\u003c/p>\n\u003cp>Only 25% of Ashford students graduated within eight years of enrolling.[aside postID=news_11955675]The court ruled in favor of California in 2022 after an 18-day trial and imposed a civil penalty of $22.3 million against Ashford. The penalty is being appealed.\u003c/p>\n\u003cp>The University of Arizona purchased Ashford University in 2020 and turned it into an online branch of the school, changing its name to the University of Arizona Global Campus.\u003c/p>\n\u003cp>It’s one of several for-profit colleges that have been purchased and absorbed by nonprofit universities, including Purdue University’s purchase of Kaplan University, and the University of Idaho’s purchase of the University of Phoenix, which is expected to be finalized next year.\u003c/p>\n\u003cp>The Biden administration is separately taking steps to propose widespread student debt cancellation after \u003ca href=\"https://www.kqed.org/news/11955675/how-to-navigate-student-loans-affirmative-action-scotus\">the Supreme Court rejected the president’s previous proposal in June\u003c/a>. The Education Department is gathering negotiators for a rulemaking process that will get underway in October.\u003c/p>\n\u003cp>The department said it plans to issue a final rule on cancellation sometime next year.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"The Biden administration is canceling student loans for 2,300 borrowers at Ashford University, a former for-profit college that was sued by the state of California in 2022 over what they said were fraudulent practices.","status":"publish","parent":0,"modified":1693514696,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":18,"wordCount":677},"headData":{"title":"Feds Cancel $72 Million in Student Loans at For-Profit College That California Sued | KQED","description":"The Biden administration is canceling student loans for 2,300 borrowers at Ashford University, a former for-profit college that was sued by the state of California in 2022 over what they said were fraudulent practices.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"nprByline":"Collin Binkley\u003cbr>The Associated Press","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11959751/feds-cancel-72-million-in-student-loans-at-for-profit-college-that-california-sued","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>The Biden administration is canceling $72 million in student loans for 2,300 borrowers who say they were cheated by Ashford University, a former for-profit college that was purchased by the University of Arizona in 2020.\u003c/p>\n\u003cp>The U.S. Department of Education announced the action Wednesday, saying it will seek to recoup the money from the University of Arizona.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11773028","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The university denies any liability, saying in a statement that it had “absolutely no involvement in, and is not directly or indirectly responsible for, the actions of Ashford and its parent company” and will be “assessing its options.”\u003c/p>\n\u003cp>Before its sale, Ashford was an online for-profit college that enrolled more than 100,000 students. It was owned by the company Zovio and based in San Diego.\u003c/p>\n\u003cp>A California court in 2022 found that Ashford frequently lied to students to get them to enroll. Its recruiters misled students about the college’s accreditation, costs and the amount of time it would take to graduate, the court concluded.\u003c/p>\n\u003cp>That lawsuit, brought by the state of California, was the basis of the Education Department’s cancellation.\u003c/p>\n\u003cp>President Joe Biden said his administration “won’t stand for colleges taking advantage of hardworking students and borrowers.”\u003c/p>\n\u003cp>“These borrowers were lied to about the cost of attending Ashford, were misled about how long it would take to get a degree, and were deceived about the transferability of Ashford credits,” Biden said in a statement. “They deserve better.”\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘These borrowers were lied to about the cost of attending Ashford, were misled about how long it would take to get a degree, and were deceived about the transferability of Ashford credits. … They deserve better.’","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"President Joe Biden","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The action will automatically discharge loans for 2,300 borrowers who attended Ashford from March 2009 through April 2020 and applied for cancellation through the Education Department’s borrower defense program. Those borrowers will see their loan balances zeroed out, and they will be refunded for payments on their federal loans.\u003c/p>\n\u003cp>California Attorney General Rob Bonta encouraged other former Ashford students to apply for relief if they were deceived.\u003c/p>\n\u003cp>“What Ashford University did to its students was unconscionable and illegal,” Bonta said. “That’s why the California Department of Justice took Ashford and its parent company to court.”\u003c/p>\n\u003cp>Under its previous ownership, Ashford’s recruiters told students they would be able to work as teachers, social workers, nurses and drug and alcohol counselors, but the school never got accreditation for those professions, according to California’s lawsuit.\u003c/p>\n\u003cp>Recruiters also told potential students they would never face out-of-pocket costs, which wasn’t always true, and they boasted about “accelerated” programs, even though the bachelor’s degree programs were structured to take five years to finish, the suit said.\u003c/p>\n\u003cp>Only 25% of Ashford students graduated within eight years of enrolling.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11955675","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The court ruled in favor of California in 2022 after an 18-day trial and imposed a civil penalty of $22.3 million against Ashford. The penalty is being appealed.\u003c/p>\n\u003cp>The University of Arizona purchased Ashford University in 2020 and turned it into an online branch of the school, changing its name to the University of Arizona Global Campus.\u003c/p>\n\u003cp>It’s one of several for-profit colleges that have been purchased and absorbed by nonprofit universities, including Purdue University’s purchase of Kaplan University, and the University of Idaho’s purchase of the University of Phoenix, which is expected to be finalized next year.\u003c/p>\n\u003cp>The Biden administration is separately taking steps to propose widespread student debt cancellation after \u003ca href=\"https://www.kqed.org/news/11955675/how-to-navigate-student-loans-affirmative-action-scotus\">the Supreme Court rejected the president’s previous proposal in June\u003c/a>. The Education Department is gathering negotiators for a rulemaking process that will get underway in October.\u003c/p>\n\u003cp>The department said it plans to issue a final rule on cancellation sometime next year.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11959751/feds-cancel-72-million-in-student-loans-at-for-profit-college-that-california-sued","authors":["byline_news_11959751"],"categories":["news_8"],"tags":["news_2924","news_717","news_3674","news_32071","news_30899","news_25523"],"featImg":"news_11959764","label":"news"},"news_11954741":{"type":"posts","id":"news_11954741","meta":{"index":"posts_1591205157","site":"news","id":"11954741","score":null,"sort":[1688174717000]},"guestAuthors":[],"slug":"supreme-court-student-loan-decision-how-affects-you","title":"How the Supreme Court Student Loan Decision Affects You","publishDate":1688174717,"format":"standard","headTitle":"How the Supreme Court Student Loan Decision Affects You | KQED","labelTerm":{"site":"news"},"content":"\u003cp>\u003cem>Updated 3:25 p.m. Friday\u003c/em>\u003c/p>\n\u003cp>The Supreme Court has ruled the Biden administration overstepped its authority in \u003ca href=\"https://www.kqed.org/news/11923443/student-loan-forgiveness-whos-eligible-and-how-can-you-apply\">trying to cancel or reduce student loan debt\u003c/a>, effectively killing the $400 billion plan, which would have canceled up to $20,000 in federal student loans for 43 million people. Of those, 20 million would have had their remaining student debt erased completely.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Jump to: \u003ca href=\"#supremecourtstudentloans\">What to know about student loan repayments after the Supreme Court’s decision\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>The Court’s decision means, barring an act of Congress, those Americans are \u003ca href=\"https://www.kqed.org/news/11953033/student-loan-payments-resume-in-august-heres-what-it-could-cost-you\">on the hook for payments starting in October\u003c/a>.\u003c/p>\n\u003ch2>Biden’s response: ‘This fight isn’t over’\u003c/h2>\n\u003cp>In response to the Supreme Court’s decision, Biden vowed to push ahead with \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2023/06/30/fact-sheet-president-biden-announces-new-actions-to-provide-debt-relief-and-support-for-student-loan-borrowers/\">a new plan to provide student loan relief for millions of borrowers\u003c/a> while blaming Republican “hypocrisy” for triggering the decision that wiped out his original plan.\u003c/p>\n\u003cp>Biden said payment requirements for student loans would resume in coming weeks, but that he would work under the authority of the Higher Education Act to begin a new program designed to ease borrowers’ threat of default if they fall behind over the next year.\u003c/p>\n\u003cp>https://twitter.com/POTUS/status/1674873607682441218\u003c/p>\n\u003cp>\u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2023/06/30/fact-sheet-president-biden-announces-new-actions-to-provide-debt-relief-and-support-for-student-loan-borrowers/\">This approach, as outlined by the White House:\u003c/a>\u003c/p>\n\u003cul>\n\u003cli>Secretary of Education Miguel Cardona on Friday had “initiated a rulemaking process aimed at opening an alternative path to debt relief for as many working and middle-class borrowers as possible,” under the Higher Education Act.\u003c/li>\n\u003cli>The Department of Education would finalize “the most affordable repayment plan ever created, ensuring that borrowers will be able to take advantage of this plan this summer — before loan payments are due.” Many borrowers, said Biden, would not have to make monthly payments under this plan, and those that did would save more than $1,000 a year.\u003c/li>\n\u003cli>The Department of Education would also set up a 12-month “on-ramp” to repayment, running from October 1, 2023 to September 30, 2024, “so that financially vulnerable borrowers who miss monthly payments during this period are not considered delinquent, reported to credit bureaus, placed in default, or referred to debt collection agencies.”\u003c/li>\n\u003c/ul>\n\u003ch2>‘Hung out to dry’\u003c/h2>\n\u003cp>California Attorney General Rob Bonta — who in January filed an amicus brief in the Supreme Court in support of President Joe Biden’s plan, along with 21 other attorneys general — called the decision “profoundly disappointing” on Friday morning.\u003c/p>\n\u003cp>More that 3.5 million Californians, said Bonta, were set to benefit from the “historic” student loan debt forgiveness plan — “and now, they’ve been hung out to dry.”\u003c/p>\n\u003cp>“Today, the Republican supermajority on the Supreme Court cruelly denied more than 40 million Americans deeply needed student debt relief,” said Speaker Emerita Nancy Pelosi in a statement, characterizing the Court’s decision as allowing “a crisis of debt to continue holding back families from buying homes, starting businesses and making ends meet.”\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Jump to: \u003ca href=\"#supremecourtstudentloans\">When do you have to start repaying your student loans?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Calling the Supreme Court a “corrupt, right-wing court,” Congresswoman Barbara Lee (D-Calif.) said that having put her two sons through college as a single mother, she knew “firsthand how the burden of student loan debt can impact a person’s life.”\u003c/p>\n\u003cp>America, wrote Lee, “cannot accept a return to the failed status quo, especially one that continues to disproportionately impact Black and brown communities,” and she urged Biden to “use the tools at his disposal to cancel student debt regardless of SCOTUS’ decision to ignore the letter of the law in this backwards decision.”\u003c/p>\n\u003cp>Officials at California’s higher education institutions also voiced their dismay at the Supreme Court ruling on Friday morning. The University of California also released a statement expressing its disappointment with the ruling, saying that it “would have made a significant impact on the lives of college graduates, particularly for those from low-income backgrounds who are more likely to take on debt to complete their education.”\u003c/p>\n\u003cp>UC said it would be arranging webinars with the Department of Education for alumni and students “later this year,” to provide information about their different options for debt repayments.\u003c/p>\n\u003cp>In a statement, California State University Interim Chancellor Jolene Koester said that that CSU officials sympathized with college graduates nationwide “who are pained by the decision reached by the Supreme Court today,” and that the university would “continue to advocate for effective federal measures such as doubling the Pell Grant, which would mean fewer students taking on debt and graduates entering the workforce on solid financial footing.”\u003c/p>\n\u003cp>Borrowers who are \u003ca href=\"https://apnews.com/article/student-loan-payment-pause-end-642276f724b30890669a60ea2c0bbfd5\">worried about their budgets\u003c/a> do have some options. For instance, the government has other loan forgiveness programs that are still in effect, even if Biden’s plan was struck down.\u003c/p>\n\u003cp>Here’s what to know about how the decision will affect you:\u003c/p>\n\u003ch2>\u003ca id=\"supremecourtstudentloans\">\u003c/a>When will student loan payments resume?\u003c/h2>\n\u003cp>Student loan payments that have been frozen for the last three years because of the pandemic are set to restart in October. That was going to happen no matter what the Supreme Court decided. Interest will start accruing Sept. 1.\u003c/p>\n\u003ch2>How should I prepare?\u003c/h2>\n\u003cp>Betsy Mayotte, president of the Institute of Student Loan Advisors, encourages people not to make any payments until the pause has ended. Instead, she says, put what you would have paid into a savings account.\u003c/p>\n\u003cp>“Then you’ve maintained the habit of making the payment, but (you’re) earning a little bit of interest as well,” she said.\u003c/p>\n\u003cp>Mayotte recommends borrowers use the loan-simulator tool at \u003ca href=\"https://studentaid.gov/welcome/?redirectTo=%2F\">StudentAid.gov\u003c/a> or the \u003ca href=\"https://freestudentloanadvice.org/\">one on TISLA’s website\u003c/a> to find a payment plan that best fits their needs. The calculators tell you what your monthly payment would be under each available plan, as well as your long-term costs.\u003c/p>\n\u003cp>Katherine Welbeck of the Student Borrower Protection Center recommends logging on to your account and making sure you know the name of your servicer, your due date and whether you’re enrolled in the best income-driven repayment plan.\u003c/p>\n\u003cfigure id=\"attachment_11923270\" class=\"wp-caption alignnone\" style=\"max-width: 2560px\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11923270\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-scaled.jpg\" alt=\"Students walk through a plaza at UC Berkeley\" width=\"2560\" height=\"1761\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-scaled.jpg 2560w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-800x550.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-1020x702.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-160x110.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-1536x1057.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-2048x1409.jpg 2048w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-1920x1321.jpg 1920w\" sizes=\"(max-width: 2560px) 100vw, 2560px\">\u003cfigcaption class=\"wp-caption-text\">People walk through Sproul Plaza on the UC Berkeley campus. \u003ccite>(Justin Sullivan/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch2>What if I can’t or don’t want to pay?\u003c/h2>\n\u003cp>If your budget doesn’t allow you to resume payments, it’s important to know how to navigate the possibility of default and delinquency on a student loan. Both can hurt your credit rating, which would make you ineligible for additional aid.\u003c/p>\n\u003cp>If you’re in a short-term financial bind you may qualify for deferment or forbearance — allowing you to temporarily suspend payment.\u003c/p>\n\u003cp>To determine whether deferment or forbearance are good options for you, you can contact your loan servicer. One thing to note: interest still accrues during deferment or forbearance. Both can also impact potential loan forgiveness options. Depending on the conditions of your deferment or forbearance, it may make sense to continue paying the interest during the payment suspension.\u003c/p>\n\u003ch2>Are there any other programs that can help with student loan debt?\u003c/h2>\n\u003cp>If you’ve \u003ca href=\"https://apnews.com/article/education-student-loans-us-department-of-9184f38730a2d4278495d33b870c3dad\">worked for a government agency or a nonprofit\u003c/a>, \u003ca href=\"https://apnews.com/article/business-congress-student-loans-education-cecef88ebeebe2f524022f603f22a83b\">the Public Service Loan Forgiveness program\u003c/a> offers cancellation after 10 years of regular payments, and some income-driven repayment plans cancel the remainder of a borrower’s debt after 20 to 25 years.\u003c/p>\n\u003cp>Borrowers should make sure they’re signed up for \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">the best possible income-driven repayment plan\u003c/a> to qualify for these programs.\u003c/p>\n\u003cp>Borrowers who have been \u003ca href=\"https://apnews.com/article/biden-education-student-loans-miguel-cardona-ccf550c96fa2557433b8b2907f1532e6\">defrauded by for-profit colleges\u003c/a> may also apply for borrower defense and receive relief.\u003c/p>\n\u003cp>These programs won’t be affected by the Supreme Court ruling.\u003c/p>\n\u003ch2>What’s an income-driven repayment plan?\u003c/h2>\n\u003cp>An income-driven repayment plan sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size. It takes into account different expenses in your budget, and most federal student loans are eligible for at least one of these types of plans.\u003c/p>\n\u003cp>Generally, your payment amount under an income-driven repayment plan is a percentage of your discretionary income. If your income is low enough, your payment could be as low as $0 per month.\u003c/p>\n\u003cp>If you’d like to repay your federal student loans under an income-driven plan, the first step is to \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">fill out an application through the Federal Student Aid website\u003c/a>.\u003c/p>\n\u003ch2>How can I reduce costs when paying off my student loans?\u003c/h2>\n\u003cul>\n\u003cli>If you sign up for automatic payments, the servicer takes a quarter of a percent off your interest rate, Mayotte says.\u003c/li>\n\u003cli>Income-driven repayment plans aren’t right for everyone. That said, if you know you will eventually qualify for forgiveness under the Public Service Loan Forgiveness program, it makes sense to make the lowest monthly payments possible, as the remainder of your debt will be cancelled once that decade of payments is complete.\u003c/li>\n\u003cli>Reevaluate your monthly student loan repayment during tax season, when you already have all your financial information in front of you. “Can you afford to increase it? Or do you need to decrease it?” Mayotte said.\u003c/li>\n\u003cli>Break up payments into whatever ways work best for you. You could consider two installments per month, instead of one large monthly sum.\u003c/li>\n\u003c/ul>\n\u003cp>\u003cem>This story contains reporting from The Associated Press’ Adriana Morga and Cora Lewis, and KQED’s Carly Severn. \u003c/em>\u003c/p>\n\u003cp>\u003cem>The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.\u003c/em>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"The US Supreme Court has ruled the Biden administration overstepped its authority in trying to cancel or reduce student loan debt. Here's how this decision affects you.","status":"publish","parent":0,"modified":1688249046,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":35,"wordCount":1646},"headData":{"title":"How the Supreme Court Student Loan Decision Affects You | KQED","description":"The US Supreme Court has ruled the Biden administration overstepped its authority in trying to cancel or reduce student loan debt. Here's how this decision affects you.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11954741/supreme-court-student-loan-decision-how-affects-you","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>Updated 3:25 p.m. Friday\u003c/em>\u003c/p>\n\u003cp>The Supreme Court has ruled the Biden administration overstepped its authority in \u003ca href=\"https://www.kqed.org/news/11923443/student-loan-forgiveness-whos-eligible-and-how-can-you-apply\">trying to cancel or reduce student loan debt\u003c/a>, effectively killing the $400 billion plan, which would have canceled up to $20,000 in federal student loans for 43 million people. Of those, 20 million would have had their remaining student debt erased completely.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Jump to: \u003ca href=\"#supremecourtstudentloans\">What to know about student loan repayments after the Supreme Court’s decision\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>The Court’s decision means, barring an act of Congress, those Americans are \u003ca href=\"https://www.kqed.org/news/11953033/student-loan-payments-resume-in-august-heres-what-it-could-cost-you\">on the hook for payments starting in October\u003c/a>.\u003c/p>\n\u003ch2>Biden’s response: ‘This fight isn’t over’\u003c/h2>\n\u003cp>In response to the Supreme Court’s decision, Biden vowed to push ahead with \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2023/06/30/fact-sheet-president-biden-announces-new-actions-to-provide-debt-relief-and-support-for-student-loan-borrowers/\">a new plan to provide student loan relief for millions of borrowers\u003c/a> while blaming Republican “hypocrisy” for triggering the decision that wiped out his original plan.\u003c/p>\n\u003cp>Biden said payment requirements for student loans would resume in coming weeks, but that he would work under the authority of the Higher Education Act to begin a new program designed to ease borrowers’ threat of default if they fall behind over the next year.\u003c/p>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"singleTwitterStatus","attributes":{"named":{"id":"1674873607682441218"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>\u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2023/06/30/fact-sheet-president-biden-announces-new-actions-to-provide-debt-relief-and-support-for-student-loan-borrowers/\">This approach, as outlined by the White House:\u003c/a>\u003c/p>\n\u003cul>\n\u003cli>Secretary of Education Miguel Cardona on Friday had “initiated a rulemaking process aimed at opening an alternative path to debt relief for as many working and middle-class borrowers as possible,” under the Higher Education Act.\u003c/li>\n\u003cli>The Department of Education would finalize “the most affordable repayment plan ever created, ensuring that borrowers will be able to take advantage of this plan this summer — before loan payments are due.” Many borrowers, said Biden, would not have to make monthly payments under this plan, and those that did would save more than $1,000 a year.\u003c/li>\n\u003cli>The Department of Education would also set up a 12-month “on-ramp” to repayment, running from October 1, 2023 to September 30, 2024, “so that financially vulnerable borrowers who miss monthly payments during this period are not considered delinquent, reported to credit bureaus, placed in default, or referred to debt collection agencies.”\u003c/li>\n\u003c/ul>\n\u003ch2>‘Hung out to dry’\u003c/h2>\n\u003cp>California Attorney General Rob Bonta — who in January filed an amicus brief in the Supreme Court in support of President Joe Biden’s plan, along with 21 other attorneys general — called the decision “profoundly disappointing” on Friday morning.\u003c/p>\n\u003cp>More that 3.5 million Californians, said Bonta, were set to benefit from the “historic” student loan debt forgiveness plan — “and now, they’ve been hung out to dry.”\u003c/p>\n\u003cp>“Today, the Republican supermajority on the Supreme Court cruelly denied more than 40 million Americans deeply needed student debt relief,” said Speaker Emerita Nancy Pelosi in a statement, characterizing the Court’s decision as allowing “a crisis of debt to continue holding back families from buying homes, starting businesses and making ends meet.”\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Jump to: \u003ca href=\"#supremecourtstudentloans\">When do you have to start repaying your student loans?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Calling the Supreme Court a “corrupt, right-wing court,” Congresswoman Barbara Lee (D-Calif.) said that having put her two sons through college as a single mother, she knew “firsthand how the burden of student loan debt can impact a person’s life.”\u003c/p>\n\u003cp>America, wrote Lee, “cannot accept a return to the failed status quo, especially one that continues to disproportionately impact Black and brown communities,” and she urged Biden to “use the tools at his disposal to cancel student debt regardless of SCOTUS’ decision to ignore the letter of the law in this backwards decision.”\u003c/p>\n\u003cp>Officials at California’s higher education institutions also voiced their dismay at the Supreme Court ruling on Friday morning. The University of California also released a statement expressing its disappointment with the ruling, saying that it “would have made a significant impact on the lives of college graduates, particularly for those from low-income backgrounds who are more likely to take on debt to complete their education.”\u003c/p>\n\u003cp>UC said it would be arranging webinars with the Department of Education for alumni and students “later this year,” to provide information about their different options for debt repayments.\u003c/p>\n\u003cp>In a statement, California State University Interim Chancellor Jolene Koester said that that CSU officials sympathized with college graduates nationwide “who are pained by the decision reached by the Supreme Court today,” and that the university would “continue to advocate for effective federal measures such as doubling the Pell Grant, which would mean fewer students taking on debt and graduates entering the workforce on solid financial footing.”\u003c/p>\n\u003cp>Borrowers who are \u003ca href=\"https://apnews.com/article/student-loan-payment-pause-end-642276f724b30890669a60ea2c0bbfd5\">worried about their budgets\u003c/a> do have some options. For instance, the government has other loan forgiveness programs that are still in effect, even if Biden’s plan was struck down.\u003c/p>\n\u003cp>Here’s what to know about how the decision will affect you:\u003c/p>\n\u003ch2>\u003ca id=\"supremecourtstudentloans\">\u003c/a>When will student loan payments resume?\u003c/h2>\n\u003cp>Student loan payments that have been frozen for the last three years because of the pandemic are set to restart in October. That was going to happen no matter what the Supreme Court decided. Interest will start accruing Sept. 1.\u003c/p>\n\u003ch2>How should I prepare?\u003c/h2>\n\u003cp>Betsy Mayotte, president of the Institute of Student Loan Advisors, encourages people not to make any payments until the pause has ended. Instead, she says, put what you would have paid into a savings account.\u003c/p>\n\u003cp>“Then you’ve maintained the habit of making the payment, but (you’re) earning a little bit of interest as well,” she said.\u003c/p>\n\u003cp>Mayotte recommends borrowers use the loan-simulator tool at \u003ca href=\"https://studentaid.gov/welcome/?redirectTo=%2F\">StudentAid.gov\u003c/a> or the \u003ca href=\"https://freestudentloanadvice.org/\">one on TISLA’s website\u003c/a> to find a payment plan that best fits their needs. The calculators tell you what your monthly payment would be under each available plan, as well as your long-term costs.\u003c/p>\n\u003cp>Katherine Welbeck of the Student Borrower Protection Center recommends logging on to your account and making sure you know the name of your servicer, your due date and whether you’re enrolled in the best income-driven repayment plan.\u003c/p>\n\u003cfigure id=\"attachment_11923270\" class=\"wp-caption alignnone\" style=\"max-width: 2560px\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11923270\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-scaled.jpg\" alt=\"Students walk through a plaza at UC Berkeley\" width=\"2560\" height=\"1761\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-scaled.jpg 2560w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-800x550.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-1020x702.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-160x110.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-1536x1057.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-2048x1409.jpg 2048w, https://ww2.kqed.org/app/uploads/sites/10/2022/08/GettyImages-1385201995-1920x1321.jpg 1920w\" sizes=\"(max-width: 2560px) 100vw, 2560px\">\u003cfigcaption class=\"wp-caption-text\">People walk through Sproul Plaza on the UC Berkeley campus. \u003ccite>(Justin Sullivan/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch2>What if I can’t or don’t want to pay?\u003c/h2>\n\u003cp>If your budget doesn’t allow you to resume payments, it’s important to know how to navigate the possibility of default and delinquency on a student loan. Both can hurt your credit rating, which would make you ineligible for additional aid.\u003c/p>\n\u003cp>If you’re in a short-term financial bind you may qualify for deferment or forbearance — allowing you to temporarily suspend payment.\u003c/p>\n\u003cp>To determine whether deferment or forbearance are good options for you, you can contact your loan servicer. One thing to note: interest still accrues during deferment or forbearance. Both can also impact potential loan forgiveness options. Depending on the conditions of your deferment or forbearance, it may make sense to continue paying the interest during the payment suspension.\u003c/p>\n\u003ch2>Are there any other programs that can help with student loan debt?\u003c/h2>\n\u003cp>If you’ve \u003ca href=\"https://apnews.com/article/education-student-loans-us-department-of-9184f38730a2d4278495d33b870c3dad\">worked for a government agency or a nonprofit\u003c/a>, \u003ca href=\"https://apnews.com/article/business-congress-student-loans-education-cecef88ebeebe2f524022f603f22a83b\">the Public Service Loan Forgiveness program\u003c/a> offers cancellation after 10 years of regular payments, and some income-driven repayment plans cancel the remainder of a borrower’s debt after 20 to 25 years.\u003c/p>\n\u003cp>Borrowers should make sure they’re signed up for \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">the best possible income-driven repayment plan\u003c/a> to qualify for these programs.\u003c/p>\n\u003cp>Borrowers who have been \u003ca href=\"https://apnews.com/article/biden-education-student-loans-miguel-cardona-ccf550c96fa2557433b8b2907f1532e6\">defrauded by for-profit colleges\u003c/a> may also apply for borrower defense and receive relief.\u003c/p>\n\u003cp>These programs won’t be affected by the Supreme Court ruling.\u003c/p>\n\u003ch2>What’s an income-driven repayment plan?\u003c/h2>\n\u003cp>An income-driven repayment plan sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size. It takes into account different expenses in your budget, and most federal student loans are eligible for at least one of these types of plans.\u003c/p>\n\u003cp>Generally, your payment amount under an income-driven repayment plan is a percentage of your discretionary income. If your income is low enough, your payment could be as low as $0 per month.\u003c/p>\n\u003cp>If you’d like to repay your federal student loans under an income-driven plan, the first step is to \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">fill out an application through the Federal Student Aid website\u003c/a>.\u003c/p>\n\u003ch2>How can I reduce costs when paying off my student loans?\u003c/h2>\n\u003cul>\n\u003cli>If you sign up for automatic payments, the servicer takes a quarter of a percent off your interest rate, Mayotte says.\u003c/li>\n\u003cli>Income-driven repayment plans aren’t right for everyone. That said, if you know you will eventually qualify for forgiveness under the Public Service Loan Forgiveness program, it makes sense to make the lowest monthly payments possible, as the remainder of your debt will be cancelled once that decade of payments is complete.\u003c/li>\n\u003cli>Reevaluate your monthly student loan repayment during tax season, when you already have all your financial information in front of you. “Can you afford to increase it? Or do you need to decrease it?” Mayotte said.\u003c/li>\n\u003cli>Break up payments into whatever ways work best for you. You could consider two installments per month, instead of one large monthly sum.\u003c/li>\n\u003c/ul>\n\u003cp>\u003cem>This story contains reporting from The Associated Press’ Adriana Morga and Cora Lewis, and KQED’s Carly Severn. \u003c/em>\u003c/p>\n\u003cp>\u003cem>The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11954741/supreme-court-student-loan-decision-how-affects-you","authors":["237"],"categories":["news_8"],"tags":["news_32707","news_201","news_25523","news_932"],"featImg":"news_11954754","label":"news"},"news_11953033":{"type":"posts","id":"news_11953033","meta":{"index":"posts_1591205157","site":"news","id":"11953033","score":null,"sort":[1686943304000]},"guestAuthors":[],"slug":"student-loan-payments-resume-in-august-heres-what-it-could-cost-you","title":"Student Loan Payments Resume in August. Here's What It Could Cost You","publishDate":1686943304,"format":"standard","headTitle":"Student Loan Payments Resume in August. Here’s What It Could Cost You | KQED","labelTerm":{"site":"news"},"content":"\u003cp>After three years, the pandemic-era \u003ca href=\"https://apnews.com/article/student-loans-repayment-a6560bab75419007049cba34a30d6657\">freeze on student loan payments\u003c/a> will end soon. Student loan interest will start accruing on September 1 and payments are starting in October.\u003c/p>\n\u003cp>It might seem tempting to just keep not making payments, but the consequences can be severe, including a hit to your credit score and exclusion from future aid and benefits.\u003c/p>\n\u003cp>More than 40 million Americans will have to start making \u003ca href=\"https://apnews.com/article/student-loan-payment-pause-end-642276f724b30890669a60ea2c0bbfd5\">federal student loan payments\u003c/a> again at the end of the summer under the terms of a debt ceiling deal approved by Congress.\u003c/p>\n\u003cp>Millions are also waiting to find out \u003ca href=\"https://apnews.com/article/student-loan-forgiveness-supreme-court-hearing-2128da75fc27ff3bcc0c3804ebd98aa7\">whether the Supreme Court will allow President Joe Biden’s student loan forgiveness plan\u003c/a> to go ahead. But payments will resume regardless of what justices decide.\u003c/p>\n\u003cp>That means tough decisions for many borrowers, especially those in already-difficult financial situations.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">[ad fullwidth]\u003c/span>\u003c/p>\n\u003cp>Experts say that delinquency and bankruptcy should be options of last resort and that deferment and forbearance — which pause payments, though interest may continue to accrue — are often better in the short term.\u003c/p>\n\u003ch2>What happens if I don’t make student loan payments?\u003c/h2>\n\u003cp>Once the moratorium ends, borrowers who can’t or don’t pay risk delinquency and eventually default. That can badly \u003ca href=\"https://apnews.com/article/business-0a536993ce494fc8d6fe2c5d637da5b5\">hurt your credit rating\u003c/a> and make you ineligible for additional aid and government benefits.\u003c/p>\n\u003cp>If you’re struggling to pay, advisers first encourage you to check whether you qualify for an income-driven repayment plan, which determines your payments by looking at your expenses. You can determine this by \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">visiting the Federal Student Aid website\u003c/a>. If you’ve worked for a government agency or a nonprofit organization, you could also be eligible for the \u003ca href=\"https://apnews.com/article/pslf-public-service-loan-forgiveness-program-student-loans-e840af29f8879512199ed6fce226c722\">Public Service Loan Forgiveness program\u003c/a>, which forgives student debt after 10 years.\u003c/p>\n\u003cp>Carolina Rodriguez, director of the Education Debt Consumer Assistance Program at the Community Service Society of New York, emphasizes that anyone temporarily unemployed should be able to qualify for a $0 payment plan. And many others qualify based on income and family size.\u003c/p>\n\u003cp>“The repercussions of falling into delinquency can be pretty severe,” Rodriguez said. “The federal government can administratively intercept tax refunds and garnish wages. And it can affect Social Security, retirement and disability benefits. Does it make financial sense at that point? Probably not.”\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">[pullquote size=\"medium\" align=\"right\" citation=\"Carolina Rodriguez, director, Education Debt Consumer Assistance Program\"]‘The federal government can administratively intercept tax refunds and garnish wages. And it can affect Social Security, retirement and disability benefits.’[/pullquote]\u003c/span>\u003c/p>\n\u003cp>Rodriguez says her organization always advises against deferment or forbearance except once a borrower has exhausted all other options. In the long term, those financial choices offer little benefit, as some loans will continue to accrue interest while deferred.\u003c/p>\n\u003cp>Abby Shafroth, senior attorney and director of the Student Loan Borrowers Assistance Project at the National Consumer Law Center, said that, of the two, deferment is generally a better option.\u003c/p>\n\u003cp>That’s because interest generally does not accrue on direct subsidized loans, the subsidized portion of direct consolidation loans, subsidized federal Stafford loans, the subsidized portion of federal family education (FFEL) consolidation loans, and federal Perkins loans. All other federal student loans that are deferred will continue to accrue interest.\u003c/p>\n\u003cp>“Forbearance allows you to postpone payments without it being held against you, but interest does accrue. So you’re going to see your balance increase every month.”\u003c/p>\n\u003ch2>What about declaring bankruptcy?\u003c/h2>\n\u003cp>For most student loan borrowers, it’s still very difficult to have loans discharged, or canceled, through bankruptcy. Borrowers must prove a very hard standard of financial circumstances, called “undue hardship.”\u003c/p>\n\u003cp>“That doesn’t mean people shouldn’t look into it,” Rodriguez said. “But they may not be successful at discharging their loans.”\u003c/p>\n\u003cp>For borrowers who show that level of financial strain, chances are they have other options, Rodriguez said.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">[aside postID=news_11946600 hero='https://ww2.kqed.org/app/uploads/sites/10/2023/04/RS34524_GettyImages-494862297-qut-1020x680.jpg']\u003c/span>\u003c/p>\n\u003cp>She advises that borrowers make sure they are speaking to a bankruptcy attorney who understands student loan bankruptcy, which requires a different proceeding from other types of bankruptcy.\u003c/p>\n\u003cp>Shafroth, of the NCLC, says that new guidance on student loan bankruptcy has been coming out in recent years.\u003c/p>\n\u003cp>“Though it is difficult to get your loans discharged through the bankruptcy process, an increasing number of borrowers are eligible to get their loans discharged that way,” she said. “A lot of people write that off as, ‘There’s no way, it’s impossible.’ But it’s increasingly possible.”\u003c/p>\n\u003ch2>What happens when a loan goes into default?\u003c/h2>\n\u003cp>When you fall behind on a loan by 270 days — roughly nine months — the loan appears on your credit report as being in default.\u003c/p>\n\u003cp>“At that point, it’s not just behind, it’s in collections,” Shafroth said. “That’s when you become ineligible to take out new federal student aid. A lot of people go into default because they weren’t able to complete their degree the first time. This prevents them from going back to school.”\u003c/p>\n\u003cp>Once a loan is in default, it’s subject to the collections processes mentioned above. That means the government can garnish wages (without a court order) to go toward paying back the loan, intercept tax refunds and seize portions of Social Security checks and other benefit payments.\u003c/p>\n\u003ch2>What are other options if I can’t make payments?\u003c/h2>\n\u003cp>Shafroth said that many borrowers may still be eligible to have loans canceled via a patchwork of programs outside the Biden administration’s proposed debt relief program.\u003c/p>\n\u003cp>“If your school closed before you could complete your program, you’re eligible for relief. If your school lied to you or misrepresented the outcome of what your enrolling would be, you can file a borrower defense application and request your loan be canceled on that basis,” she said. “If you have a disability, you can sometimes have your loans canceled on that basis.”\u003c/p>\n\u003cp>Shafroth encourages borrowers to look at the\u003ca href=\"https://studentaid.gov/\"> Federal Student Aid website\u003c/a> to see what their options might be before missing payments.\u003c/p>\n\u003ch2>What if my loans were in default before March 2020?\u003c/h2>\n\u003cp>Under the Biden administration’s \u003ca href=\"https://studentaid.gov/announcements-events/default-fresh-start\">Fresh Start program\u003c/a>, borrowers with federal student loans who were in default before the pause have a chance to become current.\u003cspan style=\"font-weight: 400\">[aside label='More Stories on Education' tag='college-students']\u003c/span>Borrowers who were in default will not be subject to collections processes or have wages garnished through about August 2024, or roughly one year after the payment freeze ends. These borrowers have also been granted permission to apply for federal student loans again, to complete degrees. Lastly, these defaulted loans are now being reported to credit bureaus as current.\u003c/p>\n\u003cp>That said, borrowers must take action if they want to stay out of default after this year-long leniency period ends.\u003c/p>\n\u003cp>To eliminate your record of default, you should contact the Education Department’s Default Resolution Group online, by phone or by mail, and ask the group to take the loans out of default via the Fresh Start policy. In four to six weeks, any record of default will be removed from your credit report, and the loans will be placed with a loan servicer. This will also give you access to income-driven repayment plans and Public Service Loan Forgiveness, if applicable.\u003c/p>\n\u003ch2>What if I was behind on payments or delinquent before March 2020?\u003c/h2>\n\u003cp>The Fresh Start program also applies to borrowers who were delinquent prior to the payment pause. Those accounts will be considered current, and borrowers will have the option to enroll in income-driven repayment plans that can lower bills to as little as $0 or to apply for deferment, forbearance or bankruptcy.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"After three years, the pandemic-era freeze on student loan payments ends in August. It may seem tempting to keep missing payments, but consequences can be severe.","status":"publish","parent":0,"modified":1686943304,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":34,"wordCount":1328},"headData":{"title":"Student Loan Payments Resume in August. Here's What It Could Cost You | KQED","description":"After three years, the pandemic-era freeze on student loan payments ends in August. It may seem tempting to keep missing payments, but consequences can be severe.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"nprByline":"\u003ca href=\"https://apnews.com/\">Cora Lewis and Adriana Morga\u003c/a>\u003cbr> The Associated Press","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11953033/student-loan-payments-resume-in-august-heres-what-it-could-cost-you","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>After three years, the pandemic-era \u003ca href=\"https://apnews.com/article/student-loans-repayment-a6560bab75419007049cba34a30d6657\">freeze on student loan payments\u003c/a> will end soon. Student loan interest will start accruing on September 1 and payments are starting in October.\u003c/p>\n\u003cp>It might seem tempting to just keep not making payments, but the consequences can be severe, including a hit to your credit score and exclusion from future aid and benefits.\u003c/p>\n\u003cp>More than 40 million Americans will have to start making \u003ca href=\"https://apnews.com/article/student-loan-payment-pause-end-642276f724b30890669a60ea2c0bbfd5\">federal student loan payments\u003c/a> again at the end of the summer under the terms of a debt ceiling deal approved by Congress.\u003c/p>\n\u003cp>Millions are also waiting to find out \u003ca href=\"https://apnews.com/article/student-loan-forgiveness-supreme-court-hearing-2128da75fc27ff3bcc0c3804ebd98aa7\">whether the Supreme Court will allow President Joe Biden’s student loan forgiveness plan\u003c/a> to go ahead. But payments will resume regardless of what justices decide.\u003c/p>\n\u003cp>That means tough decisions for many borrowers, especially those in already-difficult financial situations.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>Experts say that delinquency and bankruptcy should be options of last resort and that deferment and forbearance — which pause payments, though interest may continue to accrue — are often better in the short term.\u003c/p>\n\u003ch2>What happens if I don’t make student loan payments?\u003c/h2>\n\u003cp>Once the moratorium ends, borrowers who can’t or don’t pay risk delinquency and eventually default. That can badly \u003ca href=\"https://apnews.com/article/business-0a536993ce494fc8d6fe2c5d637da5b5\">hurt your credit rating\u003c/a> and make you ineligible for additional aid and government benefits.\u003c/p>\n\u003cp>If you’re struggling to pay, advisers first encourage you to check whether you qualify for an income-driven repayment plan, which determines your payments by looking at your expenses. You can determine this by \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">visiting the Federal Student Aid website\u003c/a>. If you’ve worked for a government agency or a nonprofit organization, you could also be eligible for the \u003ca href=\"https://apnews.com/article/pslf-public-service-loan-forgiveness-program-student-loans-e840af29f8879512199ed6fce226c722\">Public Service Loan Forgiveness program\u003c/a>, which forgives student debt after 10 years.\u003c/p>\n\u003cp>Carolina Rodriguez, director of the Education Debt Consumer Assistance Program at the Community Service Society of New York, emphasizes that anyone temporarily unemployed should be able to qualify for a $0 payment plan. And many others qualify based on income and family size.\u003c/p>\n\u003cp>“The repercussions of falling into delinquency can be pretty severe,” Rodriguez said. “The federal government can administratively intercept tax refunds and garnish wages. And it can affect Social Security, retirement and disability benefits. Does it make financial sense at that point? Probably not.”\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘The federal government can administratively intercept tax refunds and garnish wages. And it can affect Social Security, retirement and disability benefits.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Carolina Rodriguez, director, Education Debt Consumer Assistance Program","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>Rodriguez says her organization always advises against deferment or forbearance except once a borrower has exhausted all other options. In the long term, those financial choices offer little benefit, as some loans will continue to accrue interest while deferred.\u003c/p>\n\u003cp>Abby Shafroth, senior attorney and director of the Student Loan Borrowers Assistance Project at the National Consumer Law Center, said that, of the two, deferment is generally a better option.\u003c/p>\n\u003cp>That’s because interest generally does not accrue on direct subsidized loans, the subsidized portion of direct consolidation loans, subsidized federal Stafford loans, the subsidized portion of federal family education (FFEL) consolidation loans, and federal Perkins loans. All other federal student loans that are deferred will continue to accrue interest.\u003c/p>\n\u003cp>“Forbearance allows you to postpone payments without it being held against you, but interest does accrue. So you’re going to see your balance increase every month.”\u003c/p>\n\u003ch2>What about declaring bankruptcy?\u003c/h2>\n\u003cp>For most student loan borrowers, it’s still very difficult to have loans discharged, or canceled, through bankruptcy. Borrowers must prove a very hard standard of financial circumstances, called “undue hardship.”\u003c/p>\n\u003cp>“That doesn’t mean people shouldn’t look into it,” Rodriguez said. “But they may not be successful at discharging their loans.”\u003c/p>\n\u003cp>For borrowers who show that level of financial strain, chances are they have other options, Rodriguez said.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11946600","hero":"https://ww2.kqed.org/app/uploads/sites/10/2023/04/RS34524_GettyImages-494862297-qut-1020x680.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>She advises that borrowers make sure they are speaking to a bankruptcy attorney who understands student loan bankruptcy, which requires a different proceeding from other types of bankruptcy.\u003c/p>\n\u003cp>Shafroth, of the NCLC, says that new guidance on student loan bankruptcy has been coming out in recent years.\u003c/p>\n\u003cp>“Though it is difficult to get your loans discharged through the bankruptcy process, an increasing number of borrowers are eligible to get their loans discharged that way,” she said. “A lot of people write that off as, ‘There’s no way, it’s impossible.’ But it’s increasingly possible.”\u003c/p>\n\u003ch2>What happens when a loan goes into default?\u003c/h2>\n\u003cp>When you fall behind on a loan by 270 days — roughly nine months — the loan appears on your credit report as being in default.\u003c/p>\n\u003cp>“At that point, it’s not just behind, it’s in collections,” Shafroth said. “That’s when you become ineligible to take out new federal student aid. A lot of people go into default because they weren’t able to complete their degree the first time. This prevents them from going back to school.”\u003c/p>\n\u003cp>Once a loan is in default, it’s subject to the collections processes mentioned above. That means the government can garnish wages (without a court order) to go toward paying back the loan, intercept tax refunds and seize portions of Social Security checks and other benefit payments.\u003c/p>\n\u003ch2>What are other options if I can’t make payments?\u003c/h2>\n\u003cp>Shafroth said that many borrowers may still be eligible to have loans canceled via a patchwork of programs outside the Biden administration’s proposed debt relief program.\u003c/p>\n\u003cp>“If your school closed before you could complete your program, you’re eligible for relief. If your school lied to you or misrepresented the outcome of what your enrolling would be, you can file a borrower defense application and request your loan be canceled on that basis,” she said. “If you have a disability, you can sometimes have your loans canceled on that basis.”\u003c/p>\n\u003cp>Shafroth encourages borrowers to look at the\u003ca href=\"https://studentaid.gov/\"> Federal Student Aid website\u003c/a> to see what their options might be before missing payments.\u003c/p>\n\u003ch2>What if my loans were in default before March 2020?\u003c/h2>\n\u003cp>Under the Biden administration’s \u003ca href=\"https://studentaid.gov/announcements-events/default-fresh-start\">Fresh Start program\u003c/a>, borrowers with federal student loans who were in default before the pause have a chance to become current.\u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"More Stories on Education ","tag":"college-students"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/span>Borrowers who were in default will not be subject to collections processes or have wages garnished through about August 2024, or roughly one year after the payment freeze ends. These borrowers have also been granted permission to apply for federal student loans again, to complete degrees. Lastly, these defaulted loans are now being reported to credit bureaus as current.\u003c/p>\n\u003cp>That said, borrowers must take action if they want to stay out of default after this year-long leniency period ends.\u003c/p>\n\u003cp>To eliminate your record of default, you should contact the Education Department’s Default Resolution Group online, by phone or by mail, and ask the group to take the loans out of default via the Fresh Start policy. In four to six weeks, any record of default will be removed from your credit report, and the loans will be placed with a loan servicer. This will also give you access to income-driven repayment plans and Public Service Loan Forgiveness, if applicable.\u003c/p>\n\u003ch2>What if I was behind on payments or delinquent before March 2020?\u003c/h2>\n\u003cp>The Fresh Start program also applies to borrowers who were delinquent prior to the payment pause. Those accounts will be considered current, and borrowers will have the option to enroll in income-driven repayment plans that can lower bills to as little as $0 or to apply for deferment, forbearance or bankruptcy.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11953033/student-loan-payments-resume-in-august-heres-what-it-could-cost-you","authors":["byline_news_11953033"],"categories":["news_18540","news_8","news_13"],"tags":["news_717","news_32071","news_30899","news_32072","news_25523","news_932"],"featImg":"news_11953163","label":"news"},"news_11946600":{"type":"posts","id":"news_11946600","meta":{"index":"posts_1591205157","site":"news","id":"11946600","score":null,"sort":[1681426271000]},"guestAuthors":[],"slug":"thousands-of-californians-are-eligible-for-student-aid-under-this-special-clause-but-many-dont-know-it-exists","title":"Thousands of Californians Are Eligible for Student Aid Under This Special Clause. But Many Don't Know It Exists","publishDate":1681426271,"format":"standard","headTitle":"Thousands of Californians Are Eligible for Student Aid Under This Special Clause. But Many Don’t Know It Exists | KQED","labelTerm":{},"content":"\u003cp>Thousands of adult Californians without a high school diploma want to take college classes. Unfortunately, those classes aren’t free, and the lack of a high school diploma cuts off access to most financial aid.\u003c/p>\n\u003cp>The good news is, there’s a fix. The bad news is, most students don’t know about the fix, and most college officials don’t understand the laws surrounding it.\u003c/p>\n\u003cp>Federal law has a special clause that allows students lacking a high school diploma to access financial aid money they would otherwise miss. Known as the Ability to Benefit, the provision opens up federal financial aid to adults without high school degrees who enroll in GED and college classes simultaneously.\u003c/p>\n\u003cp>California community colleges also stand to benefit financially from the law because it could allow schools to boost \u003ca href=\"https://calmatters.org/education/higher-education/2022/03/community-college-enrollment/\">enrollment\u003c/a> and the number of students on federal aid, both of which are tied to the state’s new college funding formula.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>More than 4 million Californians lack a high school degree and roughly 340,000 of those adults were taking some form of adult education in 2021, according to the California Community College Chancellor’s Office.\u003c/p>\n\u003cp>At least that many adults could be eligible for this federal aid, but in 2016, just shy of 58,000 students in California actually received federal grants or loans associated with it. The numbers have dropped every year since, and in 2021, just more than 30,000 California students participated, according to the U.S. Department of Education. That means as many as 90% of eligible adult students weren’t taking advantage of this aid.\u003c/p>\n\u003cp>The decline is the result of a complicated balancing act. On the one hand, the federal government has noted a history of poor oversight and \u003ca href=\"https://www.gao.gov/assets/gao-09-600.pdf\">“abuse” of Ability to Benefit (PDF)\u003c/a>, especially by for-profit colleges. On the other hand, more regulation has left community colleges feeling confused and uninformed.\u003c/p>\n\u003cp>Still, Bradley Custer, senior policy analyst for higher education at the Center for American Progress, said use of the aid has room to grow.\u003c/p>\n\u003cp>“There’s no compelling reason why we couldn’t at least get back to 2016 and prior enrollment,” he said.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://flo.uri.sh/visualisation/13378870/embed\" title=\"Interactive or visual content\" class=\"flourish-embed-iframe\" frameborder=\"0\" scrolling=\"no\" style=\"width:100%;height:600px;\" sandbox=\"allow-same-origin allow-forms allow-scripts allow-downloads allow-popups allow-popups-to-escape-sandbox allow-top-navigation-by-user-activation\" width=\"100%\" height=\"500\">\u003c/iframe>\u003c/p>\n\u003ch2>Locked out of loans and grants\u003c/h2>\n\u003cp>In California, community college tuition is free for qualifying students with lower incomes who apply, but even for those who get the fee waiver, it’s just a fraction of the many costs related to attending college. Textbooks, transportation and food add an average of roughly $12,000 a year.\u003c/p>\n\u003cp>That’s why the federal government offers flexible aid for college students — and through Ability to Benefit, adults without high school degrees can access that money, too. A federal Pell grant, for instance, currently provides as much as $6,895 a year for qualifying students, money that can be spent on things like child care or rent.\u003c/p>\n\u003cp>Joe Villa, 67, needs that money. He has six children from two marriages, no high school diploma and a criminal record that makes even a simple job interview challenging. But he won’t give up.\u003c/p>\n\u003cp>While serving a 10-year sentence at High Desert State Prison in Susanville, Villa attempted to get his GED, but the program closed before he could finish.\u003c/p>\n\u003cfigure id=\"attachment_11946606\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11946606\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01.jpg\" alt=\"An older man with glasses and dark hair stares out a window. The light from the sun illuminating his face. He wears a white, collared shirt and a black sweater wrapped around his shoulders.\" width=\"1920\" height=\"1280\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Joe Villa at Saddleback College in Mission Viejo on April 11, 2023. \u003ccite>(Lauren Justice/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Then in 2019, Villa was standing beside a prison employee when another person incarcerated there charged at the two of them. Villa intervened, saving the employee’s life. Gov. Gavin Newsom commuted Villa’s sentence, and he was released in April 2020 — just weeks after the state locked down due to the COVID-19 pandemic.\u003c/p>\n\u003cp>“There was no employment because of COVID, and I’m thinking, perhaps this is the best time to reeducate myself and get my degree,” he said.\u003c/p>\n\u003cp>Through Saddleback College in Mission Viejo, Villa promptly enrolled in both a GED program and a number of college classes. CalMatters found Villa through a Saddleback administrator reference.\u003c/p>\n\u003cp>He tried to apply for federal student aid, but didn’t get far since he doesn’t have a high school diploma and didn’t know about the Ability to Benefit provision.\u003c/p>\n\u003cp>Qualifying for the Ability to Benefit exception is not easy. A student must first enroll in a program to obtain their high school degree or equivalent and take six credits of college courses. Alternatively, they can pass a special exam.\u003c/p>\n\u003cp>Finally, students who want the federal dollars must receive certain kinds of counseling support and can only take a certain set of courses, as interpreted by their college.\u003c/p>\n\u003cp>Villa checks nearly every box. He is currently enrolled in both a GED class and has already taken more than six credits worth of courses at Saddleback in the hope of getting his associate degree and then transferring to a four-year university to study cinematography.\u003c/p>\n\u003cp>But as of 2020, Saddleback College no longer offers students aid through Ability to Benefit.\u003c/p>\n\u003ch2>Fixing a ‘scam,’ facing consequences\u003c/h2>\n\u003cp>It’s a trend, said Judy Mortrude, senior technical adviser at the National College Transition Network, which is part of World Education and a Boston-based nonprofit that helps community colleges.\u003c/p>\n\u003cp>In 1991, Congress put Ability to Benefit into law and slowly added regulations that explained how students could qualify, like through an exam or by taking six credits. In 2012, Congress cut the funding, only to restore it fully in 2016. Then Congress required that colleges offer counseling and career training to these students and that they restrict them to a certain set of classes and majors that align with the local economy.\u003c/p>\n\u003cp>Whereas the original rule had only been about a student’s eligibility, the 2016 regulations asked colleges to perform certain services, and colleges didn’t know how to interpret it, Mortrude said.\u003c/p>\n\u003cfigure id=\"attachment_11946614\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11946614\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02.jpg\" alt=\"A college campus quad area with circular tables with umbrellas are scattered about. Large planters with trees growing inside shade students sitting in pairs chatting between classes.\" width=\"1920\" height=\"1280\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Saddleback College in Mission Viejo on April 11, 2023. \u003ccite>(Lauren Justice/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“The chain of communication is poor,” said Naomi Castro, senior director with the Career Ladders Project, a nonprofit research group founded by the California Community Colleges Board of Governors. She said that many financial aid directors at community colleges didn’t even know that Congress restarted the program in 2016.\u003c/p>\n\u003cp>Saddleback allowed students who enrolled prior to 2012 to get aid at any point, since they qualified through the old law, but the college never implemented the 2016 regulations, meaning students such as Villa have yet to benefit.\u003c/p>\n\u003cp>The challenge, said Karima Feldhus, academic administrator at Saddleback, is that the college lacks “an eligible list of careers” according to the 2016 regulations. As to why the college waited years to adopt the regulations, she said she didn’t know and referred CalMatters to the director of the financial aid office and the dean of enrollment. Neither person responded to requests for comment.\u003c/p>\n\u003cp>Nor did San José City College implement Ability to Benefit when it restarted in 2016, according to Takeo Kubo, financial aid director there.\u003c/p>\n\u003cp>San José City College spokesperson Daniel Garza said the 2016 law required “significant curriculum development efforts,” which he noted can be “quite an undertaking” at any school. He said he was not aware of what efforts the college made to consider making the necessary curriculum changes when the new regulations came out.\u003c/p>\n\u003cp>Some community colleges, including the four Sacramento-area ones in the Los Rios Community College District, did adapt to the new regulations. Those colleges currently have 42 students who receive aid through Ability to Benefit, out of a total 780 students in the system without a high school diploma.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://flo.uri.sh/visualisation/13379286/embed\" title=\"Interactive or visual content\" class=\"flourish-embed-iframe\" frameborder=\"0\" scrolling=\"no\" style=\"width:100%;height:600px;\" sandbox=\"allow-same-origin allow-forms allow-scripts allow-downloads allow-popups allow-popups-to-escape-sandbox allow-top-navigation-by-user-activation\" width=\"100%\" height=\"500\">\u003c/iframe>\u003c/p>\n\u003cp>While community colleges have increasingly shied away from Ability to Benefit over the years, for-profit colleges have leaned in.\u003c/p>\n\u003cp>Nationally, participation at public and private nonprofit colleges has dropped by more than half since 2016, while usage at private for-profit schools has risen, according to the most recent data from the U.S. Department of Education. The department did not respond to requests for recent statewide data.\u003c/p>\n\u003cp>For-profit and nonprofit colleges use different processes, too. The department data shows that public and private nonprofit colleges generally have students qualify for Ability to Benefit by taking six credits worth of classes. At for-profit colleges, nearly every student qualifies for it through an exam.\u003c/p>\n\u003cp>“It’s sort of a scam how they are getting bucket loads of people to hit a cut score on an exam who somehow couldn’t pass the GED test,” said Mortrude.\u003c/p>\n\u003cp>The department created many of the new regulations to clamp down on such “predatory behavior,” she said.\u003c/p>\n\u003ch2>A third way\u003c/h2>\n\u003cp>While students generally qualify for Ability to Benefit through the two national pathways, federal law also allows states to develop their own processes.\u003c/p>\n\u003cp>In 2019, Mortrude, Castro and other college leaders sent a proposal to the Community Colleges Chancellor’s Office on how California could set its own such process. Illinois, Iowa, Minnesota, Mississippi, Washington and Wisconsin have already done it.\u003c/p>\n\u003cp>[aside label='More Stories on Education' tag='education']\u003c/p>\n\u003cp>In Wisconsin, for example, adult students at some technical colleges can qualify for aid by participating in an orientation and by working with a tutor or academic counselor, among other criteria.\u003c/p>\n\u003cp>The individual community colleges are responsible for implementing the Ability to Benefit provision for students, said Paul Feist, vice chancellor for the California Community Colleges Chancellor’s Office, in a statement.\u003c/p>\n\u003cp>He said the office will explore creating a “state defined process” akin to what other states have done. The office did not provide a timeline for a new state process.\u003c/p>\n\u003cp>This month, a committee of Saddleback administrators came together to figure out the federal regulations with the goal of offering the Ability to Benefit aid this fall.\u003c/p>\n\u003cp>If they succeed, Villa has a list of expenses he hopes his aid can cover. First, he’s late on child support payments. He wants a new apartment, and after putting on some weight during the COVID pandemic, he needs new clothes that fit.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"Many college students rely on federal student aid to cover expenses, but increasingly complicated laws and poor communication have made those dollars harder to come by for some adult students.","status":"publish","parent":0,"modified":1681426271,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":true,"iframeSrcs":["https://flo.uri.sh/visualisation/13378870/embed","https://flo.uri.sh/visualisation/13379286/embed"],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":47,"wordCount":1711},"headData":{"title":"Thousands of Californians Are Eligible for Student Aid Under This Special Clause. But Many Don't Know It Exists | KQED","description":"Many college students rely on federal student aid to cover expenses, but increasingly complicated laws and poor communication have made those dollars harder to come by for some adult students.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"source":"CalMatters","sourceUrl":"https://calmatters.org/","nprByline":"\u003ca href=\"https://calmatters.org/author/adam-echelman/\">Adam Echelman\u003c/a>","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11946600/thousands-of-californians-are-eligible-for-student-aid-under-this-special-clause-but-many-dont-know-it-exists","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Thousands of adult Californians without a high school diploma want to take college classes. Unfortunately, those classes aren’t free, and the lack of a high school diploma cuts off access to most financial aid.\u003c/p>\n\u003cp>The good news is, there’s a fix. The bad news is, most students don’t know about the fix, and most college officials don’t understand the laws surrounding it.\u003c/p>\n\u003cp>Federal law has a special clause that allows students lacking a high school diploma to access financial aid money they would otherwise miss. Known as the Ability to Benefit, the provision opens up federal financial aid to adults without high school degrees who enroll in GED and college classes simultaneously.\u003c/p>\n\u003cp>California community colleges also stand to benefit financially from the law because it could allow schools to boost \u003ca href=\"https://calmatters.org/education/higher-education/2022/03/community-college-enrollment/\">enrollment\u003c/a> and the number of students on federal aid, both of which are tied to the state’s new college funding formula.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>More than 4 million Californians lack a high school degree and roughly 340,000 of those adults were taking some form of adult education in 2021, according to the California Community College Chancellor’s Office.\u003c/p>\n\u003cp>At least that many adults could be eligible for this federal aid, but in 2016, just shy of 58,000 students in California actually received federal grants or loans associated with it. The numbers have dropped every year since, and in 2021, just more than 30,000 California students participated, according to the U.S. Department of Education. That means as many as 90% of eligible adult students weren’t taking advantage of this aid.\u003c/p>\n\u003cp>The decline is the result of a complicated balancing act. On the one hand, the federal government has noted a history of poor oversight and \u003ca href=\"https://www.gao.gov/assets/gao-09-600.pdf\">“abuse” of Ability to Benefit (PDF)\u003c/a>, especially by for-profit colleges. On the other hand, more regulation has left community colleges feeling confused and uninformed.\u003c/p>\n\u003cp>Still, Bradley Custer, senior policy analyst for higher education at the Center for American Progress, said use of the aid has room to grow.\u003c/p>\n\u003cp>“There’s no compelling reason why we couldn’t at least get back to 2016 and prior enrollment,” he said.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://flo.uri.sh/visualisation/13378870/embed\" title=\"Interactive or visual content\" class=\"flourish-embed-iframe\" frameborder=\"0\" scrolling=\"no\" style=\"width:100%;height:600px;\" sandbox=\"allow-same-origin allow-forms allow-scripts allow-downloads allow-popups allow-popups-to-escape-sandbox allow-top-navigation-by-user-activation\" width=\"100%\" height=\"500\">\u003c/iframe>\u003c/p>\n\u003ch2>Locked out of loans and grants\u003c/h2>\n\u003cp>In California, community college tuition is free for qualifying students with lower incomes who apply, but even for those who get the fee waiver, it’s just a fraction of the many costs related to attending college. Textbooks, transportation and food add an average of roughly $12,000 a year.\u003c/p>\n\u003cp>That’s why the federal government offers flexible aid for college students — and through Ability to Benefit, adults without high school degrees can access that money, too. A federal Pell grant, for instance, currently provides as much as $6,895 a year for qualifying students, money that can be spent on things like child care or rent.\u003c/p>\n\u003cp>Joe Villa, 67, needs that money. He has six children from two marriages, no high school diploma and a criminal record that makes even a simple job interview challenging. But he won’t give up.\u003c/p>\n\u003cp>While serving a 10-year sentence at High Desert State Prison in Susanville, Villa attempted to get his GED, but the program closed before he could finish.\u003c/p>\n\u003cfigure id=\"attachment_11946606\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11946606\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01.jpg\" alt=\"An older man with glasses and dark hair stares out a window. The light from the sun illuminating his face. He wears a white, collared shirt and a black sweater wrapped around his shoulders.\" width=\"1920\" height=\"1280\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans01-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Joe Villa at Saddleback College in Mission Viejo on April 11, 2023. \u003ccite>(Lauren Justice/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Then in 2019, Villa was standing beside a prison employee when another person incarcerated there charged at the two of them. Villa intervened, saving the employee’s life. Gov. Gavin Newsom commuted Villa’s sentence, and he was released in April 2020 — just weeks after the state locked down due to the COVID-19 pandemic.\u003c/p>\n\u003cp>“There was no employment because of COVID, and I’m thinking, perhaps this is the best time to reeducate myself and get my degree,” he said.\u003c/p>\n\u003cp>Through Saddleback College in Mission Viejo, Villa promptly enrolled in both a GED program and a number of college classes. CalMatters found Villa through a Saddleback administrator reference.\u003c/p>\n\u003cp>He tried to apply for federal student aid, but didn’t get far since he doesn’t have a high school diploma and didn’t know about the Ability to Benefit provision.\u003c/p>\n\u003cp>Qualifying for the Ability to Benefit exception is not easy. A student must first enroll in a program to obtain their high school degree or equivalent and take six credits of college courses. Alternatively, they can pass a special exam.\u003c/p>\n\u003cp>Finally, students who want the federal dollars must receive certain kinds of counseling support and can only take a certain set of courses, as interpreted by their college.\u003c/p>\n\u003cp>Villa checks nearly every box. He is currently enrolled in both a GED class and has already taken more than six credits worth of courses at Saddleback in the hope of getting his associate degree and then transferring to a four-year university to study cinematography.\u003c/p>\n\u003cp>But as of 2020, Saddleback College no longer offers students aid through Ability to Benefit.\u003c/p>\n\u003ch2>Fixing a ‘scam,’ facing consequences\u003c/h2>\n\u003cp>It’s a trend, said Judy Mortrude, senior technical adviser at the National College Transition Network, which is part of World Education and a Boston-based nonprofit that helps community colleges.\u003c/p>\n\u003cp>In 1991, Congress put Ability to Benefit into law and slowly added regulations that explained how students could qualify, like through an exam or by taking six credits. In 2012, Congress cut the funding, only to restore it fully in 2016. Then Congress required that colleges offer counseling and career training to these students and that they restrict them to a certain set of classes and majors that align with the local economy.\u003c/p>\n\u003cp>Whereas the original rule had only been about a student’s eligibility, the 2016 regulations asked colleges to perform certain services, and colleges didn’t know how to interpret it, Mortrude said.\u003c/p>\n\u003cfigure id=\"attachment_11946614\" class=\"wp-caption aligncenter\" style=\"max-width: 1920px\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11946614\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02.jpg\" alt=\"A college campus quad area with circular tables with umbrellas are scattered about. Large planters with trees growing inside shade students sitting in pairs chatting between classes.\" width=\"1920\" height=\"1280\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2023/04/CalMattersStudentLoans02-1536x1024.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Saddleback College in Mission Viejo on April 11, 2023. \u003ccite>(Lauren Justice/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“The chain of communication is poor,” said Naomi Castro, senior director with the Career Ladders Project, a nonprofit research group founded by the California Community Colleges Board of Governors. She said that many financial aid directors at community colleges didn’t even know that Congress restarted the program in 2016.\u003c/p>\n\u003cp>Saddleback allowed students who enrolled prior to 2012 to get aid at any point, since they qualified through the old law, but the college never implemented the 2016 regulations, meaning students such as Villa have yet to benefit.\u003c/p>\n\u003cp>The challenge, said Karima Feldhus, academic administrator at Saddleback, is that the college lacks “an eligible list of careers” according to the 2016 regulations. As to why the college waited years to adopt the regulations, she said she didn’t know and referred CalMatters to the director of the financial aid office and the dean of enrollment. Neither person responded to requests for comment.\u003c/p>\n\u003cp>Nor did San José City College implement Ability to Benefit when it restarted in 2016, according to Takeo Kubo, financial aid director there.\u003c/p>\n\u003cp>San José City College spokesperson Daniel Garza said the 2016 law required “significant curriculum development efforts,” which he noted can be “quite an undertaking” at any school. He said he was not aware of what efforts the college made to consider making the necessary curriculum changes when the new regulations came out.\u003c/p>\n\u003cp>Some community colleges, including the four Sacramento-area ones in the Los Rios Community College District, did adapt to the new regulations. Those colleges currently have 42 students who receive aid through Ability to Benefit, out of a total 780 students in the system without a high school diploma.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" src=\"https://flo.uri.sh/visualisation/13379286/embed\" title=\"Interactive or visual content\" class=\"flourish-embed-iframe\" frameborder=\"0\" scrolling=\"no\" style=\"width:100%;height:600px;\" sandbox=\"allow-same-origin allow-forms allow-scripts allow-downloads allow-popups allow-popups-to-escape-sandbox allow-top-navigation-by-user-activation\" width=\"100%\" height=\"500\">\u003c/iframe>\u003c/p>\n\u003cp>While community colleges have increasingly shied away from Ability to Benefit over the years, for-profit colleges have leaned in.\u003c/p>\n\u003cp>Nationally, participation at public and private nonprofit colleges has dropped by more than half since 2016, while usage at private for-profit schools has risen, according to the most recent data from the U.S. Department of Education. The department did not respond to requests for recent statewide data.\u003c/p>\n\u003cp>For-profit and nonprofit colleges use different processes, too. The department data shows that public and private nonprofit colleges generally have students qualify for Ability to Benefit by taking six credits worth of classes. At for-profit colleges, nearly every student qualifies for it through an exam.\u003c/p>\n\u003cp>“It’s sort of a scam how they are getting bucket loads of people to hit a cut score on an exam who somehow couldn’t pass the GED test,” said Mortrude.\u003c/p>\n\u003cp>The department created many of the new regulations to clamp down on such “predatory behavior,” she said.\u003c/p>\n\u003ch2>A third way\u003c/h2>\n\u003cp>While students generally qualify for Ability to Benefit through the two national pathways, federal law also allows states to develop their own processes.\u003c/p>\n\u003cp>In 2019, Mortrude, Castro and other college leaders sent a proposal to the Community Colleges Chancellor’s Office on how California could set its own such process. Illinois, Iowa, Minnesota, Mississippi, Washington and Wisconsin have already done it.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"More Stories on Education ","tag":"education"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>In Wisconsin, for example, adult students at some technical colleges can qualify for aid by participating in an orientation and by working with a tutor or academic counselor, among other criteria.\u003c/p>\n\u003cp>The individual community colleges are responsible for implementing the Ability to Benefit provision for students, said Paul Feist, vice chancellor for the California Community Colleges Chancellor’s Office, in a statement.\u003c/p>\n\u003cp>He said the office will explore creating a “state defined process” akin to what other states have done. The office did not provide a timeline for a new state process.\u003c/p>\n\u003cp>This month, a committee of Saddleback administrators came together to figure out the federal regulations with the goal of offering the Ability to Benefit aid this fall.\u003c/p>\n\u003cp>If they succeed, Villa has a list of expenses he hopes his aid can cover. First, he’s late on child support payments. He wants a new apartment, and after putting on some weight during the COVID pandemic, he needs new clothes that fit.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11946600/thousands-of-californians-are-eligible-for-student-aid-under-this-special-clause-but-many-dont-know-it-exists","authors":["byline_news_11946600"],"categories":["news_18540","news_8"],"tags":["news_31933","news_32200","news_18085","news_22810","news_21180","news_32638","news_22697","news_31369","news_25523"],"affiliates":["news_18481"],"featImg":"news_11946633","label":"source_news_11946600"},"news_11933768":{"type":"posts","id":"news_11933768","meta":{"index":"posts_1591205157","site":"news","id":"11933768","score":null,"sort":[1669943757000]},"guestAuthors":[],"slug":"bidens-student-loan-forgiveness-plan-is-going-to-the-supreme-court-in-spring-2023","title":"Biden's Student Loan Forgiveness Plan Is Going to the Supreme Court in Spring 2023","publishDate":1669943757,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>The Supreme Court agreed Thursday \u003ca href=\"https://apnews.com/hub/us-supreme-court\">to consider whether the Biden administration can broadly cancel student loans\u003c/a>, a move that keeps the program blocked for now but signals a final answer could come by early summer.\u003c/p>\n\u003cp>That's about two months before \u003ca href=\"https://apnews.com/article/biden-government-and-politics-f524c55faae26c2066b6795a9d29bc8d\">the newly extended pause on loan repayments is set to expire\u003c/a>.\u003c/p>\n\u003cp>The administration had wanted a court order that would have allowed the program to take effect even as legal challenges proceed. The justices didn't do that, but agreed to the administration's fallback, setting arguments for late February or early March over whether the program is legal.\u003c/p>\n\u003cp>President Joe Biden’s plan promises $10,000 in federal student debt forgiveness to those with incomes of less than $125,000, or households earning less than $250,000. Pell grant recipients, who typically demonstrate more financial need, are eligible for an additional $10,000 in relief.[aside label=\"related coverage\" tag=\"student-loans\"]The Congressional Budget Office has said the program will cost about $400 billion over the next three decades.\u003c/p>\n\u003cp>More than 26 million people have already applied for the relief, with 16 million approved, but the U.S. Department of Education stopped processing applications last month after a federal judge in Texas struck down the plan.\u003c/p>\n\u003ch2>What are the court cases blocking the student debt relief program?\u003c/h2>\n\u003cp>The Texas case is one of two in which federal judges have forbidden the administration from implementing the loan cancellations.\u003c/p>\n\u003cp>In a separate lawsuit filed by six states, a three-judge panel of the 8th U.S. Circuit Court of Appeals in St. Louis also put the plan on hold. That's the case that will now go before the Supreme Court.\u003c/p>\n\u003cp>The moratorium on student loan payments had been slated to expire Jan. 1, a date Biden set before his debt cancellation plan stalled in the face of legal challenges from conservative opponents.\u003c/p>\n\u003cp>The new expiration date is 60 days after the legal issue has been settled, but no later than the end of August.\u003c/p>\n\u003cp>Challenges to the plan were brought by conservative attorneys, Republican lawmakers and business-oriented groups who have asserted Biden overstepped his authority in taking such sweeping action without the assent of Congress. They called it an unfair government giveaway for relatively affluent people at the expense of taxpayers who didn’t pursue higher education.\u003c/p>\n\u003cp>Missouri Attorney General Eric Schmitt, a Republican, said in a statement following the high court order that the Biden plan “would saddle Americans who didn’t take out loans or already paid theirs off with even more economic woes.” Missouri is one of the six states that sued to block the plan, along with Arkansas, Iowa, Kansas, Nebraska and South Carolina.\u003c/p>\n\u003ch2>The program's path to the Supreme Court\u003c/h2>\n\u003cp>The Biden administration has argued that the loan cancellations are legal under a 2003 law aimed at providing help to members of the military. The program is a response to “a devastating pandemic with student loan relief designed to protect vulnerable borrowers from delinquency and default,” the Justice Department said in court papers.\u003c/p>\n\u003cp>The law, the HEROES Act, allows the secretary of education to “waive or modify any statutory or regulatory provision applicable to the student financial assistance programs ... as the Secretary deems necessary in connection with a war or other military operation or national emergency.”\u003c/p>\n\u003cp>In putting the program on hold, the 8th Circuit panel said there was little harm to borrowers because repayments have been suspended. Allowing the cancellations to proceed before a definitive court ruling would have had an “irreversible impact,” the appeals court said.\u003c/p>\n\u003cp>U.S. District Judge Mark Pittman, an appointee of former President Donald Trump, issued a more sweeping ruling in the Texas case, finding that such a costly program required clear congressional authorization.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch2>What about the pause on student loan repayments?\u003c/h2>\n\u003cp>In March 2020, the Trump administration temporarily paused \u003ca href=\"https://studentaid.gov/announcements-events/covid-19/payment-pause-zero-interest\">student loan payments\u003c/a> and set interest rates to 0% for eligible federal student loans in response to the COVID pandemic. Biden subsequently extended that moratorium several times, most recently to Jan. 1, 2023.\u003c/p>\n\u003cp>But Biden set that date before his debt cancellation plan stalled in the face of legal challenges from conservative opponents.\u003c/p>\n\u003cp>Now, the pause on student loan repayments will extend until 60 days after the lawsuit is resolved. If the lawsuit has not been resolved by June 30, payments would resume 60 days after that.\u003c/p>\n\u003cp>\"It isn’t fair to ask tens of millions of borrowers eligible for relief to resume their student debt payments while the courts consider the lawsuit,\" Biden said in a video posted on Twitter.\u003c/p>\n\u003cp>The Department of Education says that they \"\u003ca href=\"https://studentaid.gov/announcements-events/covid-19/payment-pause-zero-interest\">will notify borrowers before payments restart\u003c/a>.\"\u003c/p>\n\u003ch2>What happens if I've already applied for the student debt relief program?\u003c/h2>\n\u003cp>If you already applied online for the White House's student debt relief program, \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/debt-relief-info\">the Department of Education's federal student aid website says \"we'll hold your application.\"\u003c/a>\u003c/p>\n\u003cp>The program is not currently accepting new applications because of the court orders, but the site allows users to \u003ca href=\"https://www.ed.gov/subscriptions\">sign up for updates\u003c/a>.\u003c/p>\n\u003cp>\u003cem>This story contains reporting by The Associated Press' Chris Megerian and KQED's Carly Severn.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"The high court's move to consider the issue means the program will remain on ice for now, but suggests that a final answer could come by early summer, about two months before the newly extended pause on loan repayments is set to expire.","status":"publish","parent":0,"modified":1669944125,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":25,"wordCount":873},"headData":{"title":"Biden's Student Loan Forgiveness Plan Is Going to the Supreme Court in Spring 2023 | KQED","description":"The high court's move to consider the issue means the program will remain on ice for now, but suggests that a final answer could come by early summer, about two months before the newly extended pause on loan repayments is set to expire.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"nprByline":"Mark Sherman\u003cbr>The Associated Press","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","path":"/news/11933768/bidens-student-loan-forgiveness-plan-is-going-to-the-supreme-court-in-spring-2023","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>The Supreme Court agreed Thursday \u003ca href=\"https://apnews.com/hub/us-supreme-court\">to consider whether the Biden administration can broadly cancel student loans\u003c/a>, a move that keeps the program blocked for now but signals a final answer could come by early summer.\u003c/p>\n\u003cp>That's about two months before \u003ca href=\"https://apnews.com/article/biden-government-and-politics-f524c55faae26c2066b6795a9d29bc8d\">the newly extended pause on loan repayments is set to expire\u003c/a>.\u003c/p>\n\u003cp>The administration had wanted a court order that would have allowed the program to take effect even as legal challenges proceed. The justices didn't do that, but agreed to the administration's fallback, setting arguments for late February or early March over whether the program is legal.\u003c/p>\n\u003cp>President Joe Biden’s plan promises $10,000 in federal student debt forgiveness to those with incomes of less than $125,000, or households earning less than $250,000. Pell grant recipients, who typically demonstrate more financial need, are eligible for an additional $10,000 in relief.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"related coverage ","tag":"student-loans"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The Congressional Budget Office has said the program will cost about $400 billion over the next three decades.\u003c/p>\n\u003cp>More than 26 million people have already applied for the relief, with 16 million approved, but the U.S. Department of Education stopped processing applications last month after a federal judge in Texas struck down the plan.\u003c/p>\n\u003ch2>What are the court cases blocking the student debt relief program?\u003c/h2>\n\u003cp>The Texas case is one of two in which federal judges have forbidden the administration from implementing the loan cancellations.\u003c/p>\n\u003cp>In a separate lawsuit filed by six states, a three-judge panel of the 8th U.S. Circuit Court of Appeals in St. Louis also put the plan on hold. That's the case that will now go before the Supreme Court.\u003c/p>\n\u003cp>The moratorium on student loan payments had been slated to expire Jan. 1, a date Biden set before his debt cancellation plan stalled in the face of legal challenges from conservative opponents.\u003c/p>\n\u003cp>The new expiration date is 60 days after the legal issue has been settled, but no later than the end of August.\u003c/p>\n\u003cp>Challenges to the plan were brought by conservative attorneys, Republican lawmakers and business-oriented groups who have asserted Biden overstepped his authority in taking such sweeping action without the assent of Congress. They called it an unfair government giveaway for relatively affluent people at the expense of taxpayers who didn’t pursue higher education.\u003c/p>\n\u003cp>Missouri Attorney General Eric Schmitt, a Republican, said in a statement following the high court order that the Biden plan “would saddle Americans who didn’t take out loans or already paid theirs off with even more economic woes.” Missouri is one of the six states that sued to block the plan, along with Arkansas, Iowa, Kansas, Nebraska and South Carolina.\u003c/p>\n\u003ch2>The program's path to the Supreme Court\u003c/h2>\n\u003cp>The Biden administration has argued that the loan cancellations are legal under a 2003 law aimed at providing help to members of the military. The program is a response to “a devastating pandemic with student loan relief designed to protect vulnerable borrowers from delinquency and default,” the Justice Department said in court papers.\u003c/p>\n\u003cp>The law, the HEROES Act, allows the secretary of education to “waive or modify any statutory or regulatory provision applicable to the student financial assistance programs ... as the Secretary deems necessary in connection with a war or other military operation or national emergency.”\u003c/p>\n\u003cp>In putting the program on hold, the 8th Circuit panel said there was little harm to borrowers because repayments have been suspended. Allowing the cancellations to proceed before a definitive court ruling would have had an “irreversible impact,” the appeals court said.\u003c/p>\n\u003cp>U.S. District Judge Mark Pittman, an appointee of former President Donald Trump, issued a more sweeping ruling in the Texas case, finding that such a costly program required clear congressional authorization.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch2>What about the pause on student loan repayments?\u003c/h2>\n\u003cp>In March 2020, the Trump administration temporarily paused \u003ca href=\"https://studentaid.gov/announcements-events/covid-19/payment-pause-zero-interest\">student loan payments\u003c/a> and set interest rates to 0% for eligible federal student loans in response to the COVID pandemic. Biden subsequently extended that moratorium several times, most recently to Jan. 1, 2023.\u003c/p>\n\u003cp>But Biden set that date before his debt cancellation plan stalled in the face of legal challenges from conservative opponents.\u003c/p>\n\u003cp>Now, the pause on student loan repayments will extend until 60 days after the lawsuit is resolved. If the lawsuit has not been resolved by June 30, payments would resume 60 days after that.\u003c/p>\n\u003cp>\"It isn’t fair to ask tens of millions of borrowers eligible for relief to resume their student debt payments while the courts consider the lawsuit,\" Biden said in a video posted on Twitter.\u003c/p>\n\u003cp>The Department of Education says that they \"\u003ca href=\"https://studentaid.gov/announcements-events/covid-19/payment-pause-zero-interest\">will notify borrowers before payments restart\u003c/a>.\"\u003c/p>\n\u003ch2>What happens if I've already applied for the student debt relief program?\u003c/h2>\n\u003cp>If you already applied online for the White House's student debt relief program, \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/debt-relief-info\">the Department of Education's federal student aid website says \"we'll hold your application.\"\u003c/a>\u003c/p>\n\u003cp>The program is not currently accepting new applications because of the court orders, but the site allows users to \u003ca href=\"https://www.ed.gov/subscriptions\">sign up for updates\u003c/a>.\u003c/p>\n\u003cp>\u003cem>This story contains reporting by The Associated Press' Chris Megerian and KQED's Carly Severn.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11933768/bidens-student-loan-forgiveness-plan-is-going-to-the-supreme-court-in-spring-2023","authors":["byline_news_11933768"],"categories":["news_18540","news_8"],"tags":["news_29052","news_20013","news_201","news_32071","news_32072","news_25523","news_932"],"featImg":"news_11933772","label":"news"},"news_11933171":{"type":"posts","id":"news_11933171","meta":{"index":"posts_1591205157","site":"news","id":"11933171","score":null,"sort":[1669224586000]},"guestAuthors":[],"slug":"biden-extends-student-loan-repayment-pause-into-2023","title":"Biden Extends Student Loan Repayment Pause Into 2023","publishDate":1669224586,"format":"standard","headTitle":"NPR | KQED News","labelTerm":{"term":253,"site":"news"},"content":"\u003cp>The Biden administration is extending its student loan repayment pause — which was set to expire at the end of the year — into 2023 while its \u003ca href=\"https://www.npr.org/2022/10/28/1132107116/biden-student-loans-debt-forgiveness-faq\">promise of federal relief\u003c/a> remains hung up in court.\u003c/p>\n\u003cp>Payments will resume 60 days after the debt cancellation program is implemented, 60 days after the lawsuits are resolved or 60 days after June 30, if litigation fails.\u003c/p>\n\u003cp>Borrowers have been off the hook for federal student loan payments more or less since the COVID-19 pandemic began in early 2020. The repayment pause has been extended multiple times since, and Biden's previous extension to Dec. 31 was supposed to be the last.\u003c/p>\n\u003cp>Tuesday's extension, the White House said, will alleviate uncertainty for borrowers as the administration asks the Supreme Court to review lower-court orders blocking Biden's student debt relief program.\u003c/p>\n\u003cp>\"I'm confident that our student debt relief plan is legal. But it's on hold because Republican officials want to block it,\" Biden tweeted. \"That's why [Secretary of Education Miguel Cardona] is extending the payment pause to no later than [60 days after] June 30, 2023, giving the Supreme Court time to hear the case in its current term.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Biden announced his plan to relieve up to $10,000 in federal student loan for low-to-middle-income borrowers — up to $20,000 for qualifying Pell Grant recipients — in August, but was quickly met with Republican opposition.\u003c/p>\n\u003cp>And earlier this month, \u003ca href=\"https://www.npr.org/2022/11/10/1135940851/student-debt-relief-biden-blocked-texas-district-court\">a federal judge in Texas deemed Biden's program unlawful\u003c/a>, though the Department of Justice has appealed the decision. Additionally, in a separate lawsuit, a federal appeals court issued an injunction to Biden's relief on behalf of six states, which argued financial institutions would be harmed if borrowers didn't have to pay their outstanding balances.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cnn.com/2022/11/18/politics/student-debt-relief-supreme-court/index.html\">The Biden administration asked the Supreme Court to look into the matter\u003c/a> in hopes of pushing the program through.\u003c/p>\n\u003cp>In a \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2022/08/24/fact-sheet-president-biden-announces-student-loan-relief-for-borrowers-who-need-it-most/\">statement \u003c/a>Tuesday, Secretary of Education Miguel Cardona called Republican efforts to block the relief \"callous\" and \"just plain wrong.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"I want borrowers to know that the Biden-Harris administration has their backs and we're as committed as ever to fighting to deliver essential student debt relief to tens of millions of Americans,\" Cardona said.\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2022 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=With+student+loan+relief+tied+up+in+court%2C+Biden+extends+repayment+pause+into+2023&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\n","blocks":[],"excerpt":"The president has extended the student loan repayment freeze into 2023. Biden said he wants to give lawsuits against debt cancellation time to play out, and the Supreme Court time to weigh in.","status":"publish","parent":0,"modified":1669224586,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":12,"wordCount":392},"headData":{"title":"Biden Extends Student Loan Repayment Pause Into 2023 | KQED","description":"The president has extended the student loan repayment freeze into 2023. Biden said he wants to give lawsuits against debt cancellation time to play out, and the Supreme Court time to weigh in.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"11933171 https://ww2.kqed.org/news/?p=11933171","disqusUrl":"https://ww2.kqed.org/news/2022/11/23/biden-extends-student-loan-repayment-pause-into-2023/","disqusTitle":"Biden Extends Student Loan Repayment Pause Into 2023","nprImageCredit":"Evan Vucci","nprByline":"Dustin Jones","nprImageAgency":"AP","nprStoryId":"1138724532","nprApiLink":"http://api.npr.org/query?id=1138724532&apiKey=MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004","nprHtmlLink":"https://www.npr.org/2022/11/22/1138724532/with-student-loan-relief-tied-up-in-court-biden-extends-repayments-a-few-months?ft=nprml&f=1138724532","nprRetrievedStory":"1","nprPubDate":"Tue, 22 Nov 2022 19:15:00 -0500","nprStoryDate":"Tue, 22 Nov 2022 17:05:18 -0500","nprLastModifiedDate":"Tue, 22 Nov 2022 19:15:33 -0500","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","path":"/news/11933171/biden-extends-student-loan-repayment-pause-into-2023","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>The Biden administration is extending its student loan repayment pause — which was set to expire at the end of the year — into 2023 while its \u003ca href=\"https://www.npr.org/2022/10/28/1132107116/biden-student-loans-debt-forgiveness-faq\">promise of federal relief\u003c/a> remains hung up in court.\u003c/p>\n\u003cp>Payments will resume 60 days after the debt cancellation program is implemented, 60 days after the lawsuits are resolved or 60 days after June 30, if litigation fails.\u003c/p>\n\u003cp>Borrowers have been off the hook for federal student loan payments more or less since the COVID-19 pandemic began in early 2020. The repayment pause has been extended multiple times since, and Biden's previous extension to Dec. 31 was supposed to be the last.\u003c/p>\n\u003cp>Tuesday's extension, the White House said, will alleviate uncertainty for borrowers as the administration asks the Supreme Court to review lower-court orders blocking Biden's student debt relief program.\u003c/p>\n\u003cp>\"I'm confident that our student debt relief plan is legal. But it's on hold because Republican officials want to block it,\" Biden tweeted. \"That's why [Secretary of Education Miguel Cardona] is extending the payment pause to no later than [60 days after] June 30, 2023, giving the Supreme Court time to hear the case in its current term.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Biden announced his plan to relieve up to $10,000 in federal student loan for low-to-middle-income borrowers — up to $20,000 for qualifying Pell Grant recipients — in August, but was quickly met with Republican opposition.\u003c/p>\n\u003cp>And earlier this month, \u003ca href=\"https://www.npr.org/2022/11/10/1135940851/student-debt-relief-biden-blocked-texas-district-court\">a federal judge in Texas deemed Biden's program unlawful\u003c/a>, though the Department of Justice has appealed the decision. Additionally, in a separate lawsuit, a federal appeals court issued an injunction to Biden's relief on behalf of six states, which argued financial institutions would be harmed if borrowers didn't have to pay their outstanding balances.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cnn.com/2022/11/18/politics/student-debt-relief-supreme-court/index.html\">The Biden administration asked the Supreme Court to look into the matter\u003c/a> in hopes of pushing the program through.\u003c/p>\n\u003cp>In a \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2022/08/24/fact-sheet-president-biden-announces-student-loan-relief-for-borrowers-who-need-it-most/\">statement \u003c/a>Tuesday, Secretary of Education Miguel Cardona called Republican efforts to block the relief \"callous\" and \"just plain wrong.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\"I want borrowers to know that the Biden-Harris administration has their backs and we're as committed as ever to fighting to deliver essential student debt relief to tens of millions of Americans,\" Cardona said.\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2022 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=With+student+loan+relief+tied+up+in+court%2C+Biden+extends+repayment+pause+into+2023&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11933171/biden-extends-student-loan-repayment-pause-into-2023","authors":["byline_news_11933171"],"categories":["news_8"],"tags":["news_29063","news_25523"],"affiliates":["news_253"],"featImg":"news_11933172","label":"news_253"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. 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Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />","airtime":"SUN 9pm-10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Code-Switch-Life-Kit-Podcast-Tile-360x360-1.jpg","meta":{"site":"radio","source":"npr"},"link":"/radio/program/code-switch-life-kit","subscribe":{"apple":"https://podcasts.apple.com/podcast/1112190608?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy","spotify":"https://open.spotify.com/show/3bExJ9JQpkwNhoHvaIIuyV","rss":"https://feeds.npr.org/510312/podcast.xml"}},"commonwealth-club":{"id":"commonwealth-club","title":"Commonwealth Club of California Podcast","info":"The Commonwealth Club of California is the nation's oldest and largest public affairs forum. 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