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In The News
Education Department kicks off an income-based student loan repayment plan
August 23, 2023
(Partial Transcript)
A MARTÍNEZ, HOST:
Tens of millions of borrowers who are expected to restart their student loan payments next month could be getting a break.
STEVE INSKEEP, HOST:
The Education Department is starting what it's calling the most affordable repayment plan in history - so affordable that the Biden administration says many borrowers will see some or even all of their federal student loans erased. This plan is separate from the outright loan forgiveness plan that the Supreme Court struck down earlier this year.
MARTÍNEZ: NPR's Cory Turner has been pouring through the nuts and bolts. Cory, how's this new plan going to work?
CORY TURNER, BYLINE: Well, the idea is pretty simple, A. The less you make, the less you pay each month. There have been other income-based plans, but this one, which they're calling the Saving on a Valuable Education Plan or the acronym SAVE, is much more generous than everything that came before. And that's really because of three big changes.
So first, it's going to dramatically lower monthly payments for millions of borrowers. It's also going to increase the number of people who qualify to make no payments at all. Second, under older plans, borrowers who qualified for those low or even $0 monthly payments still watched interest quite often explode their loans. Now, though, as long as you're paying what the government thinks you can afford, it's going to forgive any interest that's left over each month.
And then the third big change, A, is a kind of ticking clock toward forgiveness. For undergraduate borrowers who keep up with their payments for 20 years, the government promises to forgive whatever's left. That's not entirely new. What's new is if you borrowed $12,000 or less, maybe for community college, you'll only have to wait 10 years - half as long.
And one more thing. This is key. The administration wants to give many borrowers back credit for the years they've already been in repayment, which obviously would then bring them that much closer to forgiveness...
(Click below for full transcript and 3-minute listen)
Broader Efforts to Deliver Relief to Student Loan Borrowers
August 22, 2023
The SAVE plan builds on broader actions by the Biden-Harris Administration to deliver relief to student loan borrowers, fix problems in the student loan system, and make college more affordable. To date, the Biden-Harris Administration has cancelled more than $116 billion in student loan debt for 3.4 million Americans, including:
- $39 billion for 804,000 borrowers as a result of fixes to IDR plans who have been in repayment for over 20 years but never got the relief they deserved
- $45.7 billion for 662,000 public service workers
- $10.5 billion for 491,000 borrowers who have a total and permanent disability; and
- $22 billion for nearly 1.3 million borrowers who were cheated by their schools, saw their schools precipitously close, or are covered by related court settlements.
The Administration has also achieved the largest increases in Pell Grants in over a decade to help families who earn less than roughly $60,000 per year; fixed the Public Service Loan Forgiveness program so borrowers who go into public service get the debt relief they are entitled to; is holding colleges accountable for leaving students with mountains of debt and without good job prospects; and announced that it is pursuing an alternative path to deliver debt relief to as many student loan borrowers as possible, as quickly as possible in the wake of the Supreme Court’s decision on the Administration’s student debt relief plan.
Your student debt could win you up to 100,000 airline miles through Frontier Airlines
August 22, 2023
For once, having a high student debt balance could be a good thing.
Tell Frontier Airlines how much you owe in student loans and you could be one of 100 lucky winners who will receive an airline mile for every dollar you owe, up to 100,000 miles, the airline announced last week.
Student loan borrowers have until August 27 to enter the sweepstakes through Frontier’s website. To enter, all you need is a student debt balance and a free Frontier Miles account.
It’s not as exciting as having your student loan balance forgiven, but the maximum prize of 100,000 miles could help you save on a budget getaway. You can book a one-way domestic flight for as little as 10,000 miles plus taxes and fees, according to Frontier’s website.
“We’re thrilled to spread a little joy among education borrowers and offer an opportunity to win free flights through this special mileage giveaway,” Tyri Squyres, vice president of marketing at Frontier, said in a press release.
The contest comes just as federal student loan borrowers gear up to begin making payments on their loans again for the first time in over three years. Interest resumes growing on federal loan balances on Sept. 1 and payments will be due in October.
Many borrowers are expected to struggle to make payments, so the Biden administration has instituted a yearlong “on-ramp” period that will help give borrowers some leeway when payments resume. Late or missed payments will not be marked delinquent or reported to credit bureaus through September 2024. Interest will continue accruing, but without impact to borrowers’ credit scores.