Between collections resuming, courts blocking student loan programs and layoffs at the Education Department, borrowers might be confused about the status of their student loans.
"There's so much confusion, they've made it very complicated," said Natalia Abrams, president and founder of the Student Debt Crisis Center.
If you're a student loan borrower, here are some answers to your questions.
Can I enroll in an income-driven plan?
The U.S. Department of Education building is seen in Washington, Dec. 3.
Applications for income-driven repayment plans are open, but they're taking longer than usual to process.
The applications temporarily were shut down this year after a federal court in Missouri blocked the SAVE plan, a Biden administration plan that offered a faster path to loan forgiveness. The judge's order also blocked parts of other repayment plans, prompting the Education Department to pause income-driven applications entirely.
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Amid pressure from advocates, the department reopened the applications May 10.
Borrowers can apply for the following income-driven plans: the Income-Based Repayment Plan, the Pay as You Earn plan and the Income-Contingent Repayment plan.
Abrams expects applications will continue to be approved but at a slower pace than before the application pause.
Borrowers enrolled in an income-driven plan should receive notifications about recertification, said Khandice Lofton, counsel at the Student Borrower Protection Center. Recertification is required annually to update information on family size and income, and dates are different for each borrower.
To review income-driven repayment plans, you can check the loan simulator at .
What if I applied to the SAVE plan?
Borrowers enrolled in the SAVE plan were placed in forbearance while a legal challenge is resolved. That means they don't have to make payments and interest is not accruing. Time in forbearance normally does not count toward Public Service Loan Forgiveness.
The Education Department will notify borrowers with updates on payments and litigation.
"We don't know for sure when the SAVE forbearance is going to end," Abrams said.
While the future of the SAVE plan is decided in court, Abrams encourages borrowers to explore their eligibility for other income-driven repayment plans.
Graduates walk across the stage May 16 in Baxter Arena during a University of Nebraska at Omaha commencement ceremony.
What if I want to consolidate my loans?
The online application for loan consolidation is available again, at . If you have multiple federal student loans, you can combine them into one with a fixed interest rate and a single monthly payment.
The consolidation process typically takes about 60 days to complete. You can consolidate your loans only once.
What if my loan was forgiven?
It would be difficult for the Education Department to reinstate loan debt that was canceled during President Joe Biden's administration. So far, it isn't believed to be happening, Abrams said.
What about the Public Service Loan Forgiveness program?
Nothing changed yet.
President Donald Trump wants to change the Public Service Loan Forgiveness program to disqualify workers of nonprofit groups deemed to have engaged in "improper" activities. He signed an executive order to that effect, but it has yet to be enforced.
Borrowers enrolled in PSLF should keep up with payments to make progress toward loan forgiveness, said Sarah Austin, policy analyst at the National Association of Student Financial Aid Administrators.
"There could be some changes coming in regards to PSLF but at this current time PSLF is still functioning and there is still loan forgiveness being processed under the PSLF provision," Austin said.
For keeping track of their status, Abrams recommends that borrowers take screenshots of their payments.
What if I can't get ahold of my loan servicer?
Contacting your loan servicer is crucial to managing and understanding your student loans. Due to the large number of people trying to get answers or apply for programs, loan servicers are taking longer than usual to respond.
Abrams tells borrowers to prepare for long wait times.
"We've heard borrowers being (on) hold for three or four hours, then being transferred to a supervisor and then being hung up on, after all that wait time. It's incredibly frustrating," she said.
What can I do if I'm delinquent?
Try to get back on track. Borrowers who don't make their payments for 270 days go into default, which has severe consequences.
"If you're delinquent but have not defaulted yet, do whatever you can do to avoid going default," said Kate Wood, a student loans expert at NerdWallet.
Borrowers who are delinquent on their student loans take a massive hit on their credit scores, which could drop 100 points or more, Wood said. A delinquency stays on your credit report for seven years.
Wood recommends contacting your servicer to ask for options, which can include forbearance, deferment or applying for an income-driven repayment plan.
What if I'm in default?
The Education Department urges borrowers to visit its Default Resolution Group to make a monthly payment, enroll in an income-driven repayment plan or sign up for loan rehabilitation.
Betsy Mayotte, president of The Institute for Student Loan Advisors, recommends loan rehabilitation.
Borrowers in default must ask their loan servicer to be placed into such a program. Once a borrower has paid on time for nine months in a row, they are taken out of default, Mayotte said. A loan rehabilitation can be done only once.
What happened to Fresh Start?
The Fresh Start program was a one-time temporary program that helped borrowers get out of default. It ended Aug. 31.
