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How should student loan borrowers prepare before Donald Trump takes over the presidency?

PSLF, enacted under President George W. Bush in 2007, is protected by federal law and would require an act of Congress to repeal.

Experts have suggested several actions that borrowers can take now to stay ahead of changes.

What to know before the transition

With the Biden administration’s student loan forgiveness plans already withdrawn and the future of the SAVE plan uncertain, borrowers need to prepare for what’s ahead.

In light of the uncertainty surrounding the SAVE plan, borrowers still have access to other affordable repayment options, such as the Pay As You Earn (PAYE) and Income-Contingent Repayment (ICR) plans.

One key program that’s not expected to disappear is the Public Service Loan Forgiveness (PSLF) program, which has long helped federal employees and certain nonprofit workers reduce or eliminate their student loans after ten years of qualifying payments.

These income-driven repayment plans adjust borrowers’ monthly payments based on their income and family size, providing some relief for those struggling financially. Both plans offer a path to loan forgiveness after a certain period of time, and they will remain available for enrollment until at least July 1, 2027.

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Donna Wilson

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Donna Wilson

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