Here’s the real deal with student loans in 2025.

Ya’ll, I have been trying to get you a good, actionable intel on what’s going on with these student loans. I want you to have action steps. This news is changing day by day.

Here’s the best summary I could find: https://www.forbes.com/sites/shaharziv/2025/03/01/education-department-blocks-all-student-loan-forgiveness-for-3-months/

Briefly, here's the deal.

Everyone on the SAVE plan is on deferment.

The other Income-Based / Income-Contingent Plans are freezing recertification for 3 months and new applications are unavailable online (but paper applications were still available as of Friday). This means that if you had a sudden change of income, you might not be able to apply for a different payment plan til the summer. And if you haven't applied for a lower payment already, it's going to be very hard to do that for a while. 

And then Friday night, the office of the President changed the priorities for Public Service Loan Forgiveness...If your workplace primarily serves trans, pro-Muslim, or other insufficiently conservative causes, you may not be eligible for PSLF in the future.

I wish I was making that up, but it’s right there in black and white, I encourage you to read it for yourself: https://www.whitehouse.gov/presidential-actions/2025/03/restoring-public-service-loan-forgiveness/

Now, what do YOU think these changes will do to borrowers and beneficiaries of mental health care?

I suspect that there are 3 objectives that are well served by this unholy trinity of policies: