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Department of Education Freezes Key IBR Plans—What It Means for Borrowers Right Now

The Department of Education has paused forgiveness under the Income-Based Repayment (IBR) plan, affecting about 2 million student loan borrowers. While this freeze is temporary and due to system updates, it has big implications. Borrowers should continue making payments to stay on track. This guide explains the pause, why it happened, and what borrowers can do to protect their progress toward student loan forgiveness.