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"content": "\u003cp>The U.S. Department of Education \u003ca href=\"https://www.ed.gov/about/news/press-release/us-department-of-education-announces-agreement-missouri-end-biden-administrations-illegal-save-plan\" target=\"_blank\" rel=\"noopener\">announced Tuesday\u003c/a> that it had reached a proposed settlement agreement to end a popular, yet controversial Biden-era student loan repayment plan.\u003c/p>\n\u003cp>The Saving on a Valuable Education plan, better known as SAVE, was the \u003ca href=\"https://www.npr.org/2023/07/14/1187545921/student-loan-forgiveness-save-repayment\" target=\"_blank\" rel=\"noopener\">most flexible and generous\u003c/a> of all income-driven repayment plans, promising expedited loan forgiveness and monthly payments as low as $0 for low-income borrowers. Republican state attorneys general, led by Missouri, sued the Biden administration, arguing in court that SAVE was too generous.\u003c/p>\n\u003cfigure class=\"wp-block-embed npr-promo-card insettwocolumn\">\n\u003cdiv class=\"wp-block-embed__wrapper\">\u003c/div>\n\u003c/figure>\n\u003cp>The legal challenges put all SAVE borrowers in limbo for months, during which they were not required to make payments on their loans – even after many had already spent years in a pandemic payment pause. \u003ca href=\"https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump\" target=\"_blank\" rel=\"noopener\">Interest resumed accruing\u003c/a> on SAVE loans in August.\u003c/p>\n\u003cp>“The law is clear: if you take out a loan, you must pay it back,” Under Secretary of Education Nicholas Kent said in a statement announcing the proposed agreement. “Thanks to the State of Missouri and other states fighting against this egregious federal overreach, American taxpayers can now rest assured they will no longer be forced to serve as collateral for illegal and irresponsible student loan policies.”\u003c/p>\n\u003cp>Tuesday’s agreement, pending court approval, would end the long legal battle over SAVE by ending SAVE itself. The Education Department would commit not to enroll more borrowers in SAVE, to deny all pending SAVE applications and to move the roughly 7 million borrowers still enrolled in SAVE into other repayment plans – though some of those plans \u003ca href=\"https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump\" target=\"_blank\" rel=\"noopener\">are also in flux\u003c/a>.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The department also said student loan borrowers would have “a limited time to select a new, legal repayment plan.” Borrowers will have to choose between two types of plans: 1.) \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans#fixed\" target=\"_blank\" rel=\"noopener\">fixed payment plans\u003c/a> or 2.) plans with \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans#income-driven\" target=\"_blank\" rel=\"noopener\">payments based on a borrower’s income\u003c/a>.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump\" target=\"_blank\" rel=\"noopener\">two new plans\u003c/a> created by Republicans’ One Big Beautiful Bill Act (OBBBA) will roll out in July 2026, and will include a revised standard plan and a new income-driven plan called the Repayment Assistance Plan. Though SAVE borrowers will likely be expected to change plans before then.\u003c/p>\n\u003cp>The SAVE plan’s days were already numbered. Under the OBBBA, borrowers would have had to change plans by July 1, 2028. Tuesday’s news would move that deadline up, though the administration has not provided a timeframe for the changes.\u003c/p>\n\u003cp>If the proposal is approved by the court, transitioning millions of borrowers to other plans will be a Herculean feat for loan servicing companies that handle day-to-day loan operations.\u003c/p>\n\u003cp>“It’s gonna be bumpy,” says Scott Buchanan, head of the Student Loan Servicing Alliance. “Remember, SAVE borrowers have not been in repayment for years. They’re gonna have a ton of questions and will need a ton of hand-holding to get back into repayment.”\u003c/p>\n\u003cp>The settlement arrives as millions of borrowers are struggling to keep up with their payments.\u003c/p>\n\u003cp>“We are sitting on the precipice of millions of borrowers defaulting on their loans,” says Persis Yu, of Protect Borrowers. “And instead of choosing to defend a plan that would have been affordable for these borrowers, this Department of Education has capitulated to the AGs and is going to make life much more expensive.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>The American Enterprise Institute, AEI, \u003ca href=\"https://www.aei.org/education/new-student-loan-data-show-a-historic-spike-in-borrowers-falling-behind/\" target=\"_blank\" rel=\"noopener\">recently published an analysis\u003c/a> of the latest federal student loan data: In addition to the 5.5 million borrowers who are currently in default, another 3.7 million are more than 270 days late on their payments and on the edge of default. Another 2.7 million borrowers are in the earlier stages of delinquency. In all, some 12 million borrowers are worryingly behind.\u003c/p>\n\u003cdiv class=\"npr-transcript\">\n\u003cp>\u003cstrong>Transcript:\u003c/strong>\u003c/p>\n\u003cp>SCOTT DETROW, HOST:\u003c/p>\n\u003cp>There’s big news today for millions of federal student loan borrowers. The U.S. Department of Education says it’s reached a proposed settlement. It would end a Biden-era repayment plan that has been tied up in the courts for more than a year. NPR’s Cory Turner has been following the story and joins us now. Hi, Cory.\u003c/p>\n\u003cp>CORY TURNER, BYLINE: Hello.\u003c/p>\n\u003cp>DETROW: Before we get to the news of the settlement, remind us what this repayment plan was and why it ended up in court.\u003c/p>\n\u003cp>TURNER: Yeah. It’s the Saving on a Valuable Education plan, but it’s better known as SAVE. It was the most flexible and generous of all the income-driven repayment plans. It promised fast-tracked loan forgiveness, monthly payments as low as $0 for low-income borrowers. But it turns out, Scott, it was so generous that Republican state attorneys general sued the Biden administration, arguing in court it was too generous and that if Congress had wanted to create a plan like this, it would have.\u003c/p>\n\u003cp>And so SAVE has been in legal limbo ever since. Now though, you know, President Trump’s Education Department agrees with those Republican AGs, and so they appear to have cut a deal. Under Secretary of Education Nicholas Kent said in a statement announcing the proposed settlement today, quote, “American taxpayers can now rest assured they will no longer be forced to serve as collateral for illegal and irresponsible student loan policies.”\u003c/p>\n\u003cp>DETROW: There’s probably a lot of people listening who are enrolled in the SAVE plan. What do they need to know?\u003c/p>\n\u003cp>TURNER: Well, they’re in good company. There are about 7 million borrowers still in SAVE. So this agreement is a big deal, pending court approval. It’s also worth saying many of these borrowers haven’t had to make payments in years because of the legal limbo I just mentioned, during which they didn’t have to make payments. But that followed on the heels of the long pandemic payment pause. Not only, though, is this going to be a financial stretch for many borrowers, it’s going to be a huge logistical challenge for the servicing companies that manage the federal student loan portfolio.\u003c/p>\n\u003cp>I was talking earlier today with Scott Buchanan. He’s head of the Student Loan Servicing Alliance, and he told me it’s going to be bumpy. That was his word. He said SAVE borrowers are going to have a ton of questions. They will need a ton of handholding to get back into repayment. And part of the problem here is the options available to them are a little murky. Republicans’ One Big Beautiful Bill Act created two new repayment plans, but they’re not going to roll out till July, which is too late for the purposes of SAVE borrowers now. Meanwhile, borrower advocates were sounding in the alarm today. Here’s Persis Yu with the group Protect Borrowers.\u003c/p>\n\u003cp>PERSIS YU: The reality is, is that the SAVE plan was created because the other plans were unaffordable for millions of borrowers. So many borrowers are going to be in the difficult spot of making this decision about whether or not to stay current on their loans or feed their families and keep a roof over their head.\u003c/p>\n\u003cp>TURNER: And Scott, this settlement lands at a time when millions of other borrowers are already way behind on their loan payments.\u003c/p>\n\u003cp>DETROW: Yeah. Do we have a sense of what exactly is going on there?\u003c/p>\n\u003cp>TURNER: Yeah. According to the latest tranche of data from the Education Department, some 12 million borrowers are either really behind on their payments or already in default. That’s at least a quarter of all federal student loan borrowers. And everybody I talk to on both sides of the aisle here say this is a crisis. And now we’re talking about how to get these 7 million SAVE borrowers, many of whom are low-income, back into repayment. This is going to be an incredible test for the department and obviously for these borrowers. And my best advice right now to these borrowers is to go to studentaid.gov and start reading up on the other repayment plans out there so you know what your options are.\u003c/p>\n\u003cp>DETROW: That is NPR education correspondent Cory Turner. Thank you so much.\u003c/p>\n\u003cp>TURNER: You’re welcome.\u003c/p>\n\u003cp>(SOUNDBITE OF FREDDIE GIBBS AND MADLIB SONG, “GAT D***”)\u003c/p>\n\u003c/div>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The U.S. Department of Education \u003ca href=\"https://www.ed.gov/about/news/press-release/us-department-of-education-announces-agreement-missouri-end-biden-administrations-illegal-save-plan\" target=\"_blank\" rel=\"noopener\">announced Tuesday\u003c/a> that it had reached a proposed settlement agreement to end a popular, yet controversial Biden-era student loan repayment plan.\u003c/p>\n\u003cp>The Saving on a Valuable Education plan, better known as SAVE, was the \u003ca href=\"https://www.npr.org/2023/07/14/1187545921/student-loan-forgiveness-save-repayment\" target=\"_blank\" rel=\"noopener\">most flexible and generous\u003c/a> of all income-driven repayment plans, promising expedited loan forgiveness and monthly payments as low as $0 for low-income borrowers. Republican state attorneys general, led by Missouri, sued the Biden administration, arguing in court that SAVE was too generous.\u003c/p>\n\u003cfigure class=\"wp-block-embed npr-promo-card insettwocolumn\">\n\u003cdiv class=\"wp-block-embed__wrapper\">\u003c/div>\n\u003c/figure>\n\u003cp>The legal challenges put all SAVE borrowers in limbo for months, during which they were not required to make payments on their loans – even after many had already spent years in a pandemic payment pause. \u003ca href=\"https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump\" target=\"_blank\" rel=\"noopener\">Interest resumed accruing\u003c/a> on SAVE loans in August.\u003c/p>\n\u003cp>“The law is clear: if you take out a loan, you must pay it back,” Under Secretary of Education Nicholas Kent said in a statement announcing the proposed agreement. “Thanks to the State of Missouri and other states fighting against this egregious federal overreach, American taxpayers can now rest assured they will no longer be forced to serve as collateral for illegal and irresponsible student loan policies.”\u003c/p>\n\u003cp>Tuesday’s agreement, pending court approval, would end the long legal battle over SAVE by ending SAVE itself. The Education Department would commit not to enroll more borrowers in SAVE, to deny all pending SAVE applications and to move the roughly 7 million borrowers still enrolled in SAVE into other repayment plans – though some of those plans \u003ca href=\"https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump\" target=\"_blank\" rel=\"noopener\">are also in flux\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The department also said student loan borrowers would have “a limited time to select a new, legal repayment plan.” Borrowers will have to choose between two types of plans: 1.) \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans#fixed\" target=\"_blank\" rel=\"noopener\">fixed payment plans\u003c/a> or 2.) plans with \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans#income-driven\" target=\"_blank\" rel=\"noopener\">payments based on a borrower’s income\u003c/a>.\u003c/p>\n\u003cp>The \u003ca href=\"https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump\" target=\"_blank\" rel=\"noopener\">two new plans\u003c/a> created by Republicans’ One Big Beautiful Bill Act (OBBBA) will roll out in July 2026, and will include a revised standard plan and a new income-driven plan called the Repayment Assistance Plan. Though SAVE borrowers will likely be expected to change plans before then.\u003c/p>\n\u003cp>The SAVE plan’s days were already numbered. Under the OBBBA, borrowers would have had to change plans by July 1, 2028. Tuesday’s news would move that deadline up, though the administration has not provided a timeframe for the changes.\u003c/p>\n\u003cp>If the proposal is approved by the court, transitioning millions of borrowers to other plans will be a Herculean feat for loan servicing companies that handle day-to-day loan operations.\u003c/p>\n\u003cp>“It’s gonna be bumpy,” says Scott Buchanan, head of the Student Loan Servicing Alliance. “Remember, SAVE borrowers have not been in repayment for years. They’re gonna have a ton of questions and will need a ton of hand-holding to get back into repayment.”\u003c/p>\n\u003cp>The settlement arrives as millions of borrowers are struggling to keep up with their payments.\u003c/p>\n\u003cp>“We are sitting on the precipice of millions of borrowers defaulting on their loans,” says Persis Yu, of Protect Borrowers. “And instead of choosing to defend a plan that would have been affordable for these borrowers, this Department of Education has capitulated to the AGs and is going to make life much more expensive.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The American Enterprise Institute, AEI, \u003ca href=\"https://www.aei.org/education/new-student-loan-data-show-a-historic-spike-in-borrowers-falling-behind/\" target=\"_blank\" rel=\"noopener\">recently published an analysis\u003c/a> of the latest federal student loan data: In addition to the 5.5 million borrowers who are currently in default, another 3.7 million are more than 270 days late on their payments and on the edge of default. Another 2.7 million borrowers are in the earlier stages of delinquency. In all, some 12 million borrowers are worryingly behind.\u003c/p>\n\u003cdiv class=\"npr-transcript\">\n\u003cp>\u003cstrong>Transcript:\u003c/strong>\u003c/p>\n\u003cp>SCOTT DETROW, HOST:\u003c/p>\n\u003cp>There’s big news today for millions of federal student loan borrowers. The U.S. Department of Education says it’s reached a proposed settlement. It would end a Biden-era repayment plan that has been tied up in the courts for more than a year. NPR’s Cory Turner has been following the story and joins us now. Hi, Cory.\u003c/p>\n\u003cp>CORY TURNER, BYLINE: Hello.\u003c/p>\n\u003cp>DETROW: Before we get to the news of the settlement, remind us what this repayment plan was and why it ended up in court.\u003c/p>\n\u003cp>TURNER: Yeah. It’s the Saving on a Valuable Education plan, but it’s better known as SAVE. It was the most flexible and generous of all the income-driven repayment plans. It promised fast-tracked loan forgiveness, monthly payments as low as $0 for low-income borrowers. But it turns out, Scott, it was so generous that Republican state attorneys general sued the Biden administration, arguing in court it was too generous and that if Congress had wanted to create a plan like this, it would have.\u003c/p>\n\u003cp>And so SAVE has been in legal limbo ever since. Now though, you know, President Trump’s Education Department agrees with those Republican AGs, and so they appear to have cut a deal. Under Secretary of Education Nicholas Kent said in a statement announcing the proposed settlement today, quote, “American taxpayers can now rest assured they will no longer be forced to serve as collateral for illegal and irresponsible student loan policies.”\u003c/p>\n\u003cp>DETROW: There’s probably a lot of people listening who are enrolled in the SAVE plan. What do they need to know?\u003c/p>\n\u003cp>TURNER: Well, they’re in good company. There are about 7 million borrowers still in SAVE. So this agreement is a big deal, pending court approval. It’s also worth saying many of these borrowers haven’t had to make payments in years because of the legal limbo I just mentioned, during which they didn’t have to make payments. But that followed on the heels of the long pandemic payment pause. Not only, though, is this going to be a financial stretch for many borrowers, it’s going to be a huge logistical challenge for the servicing companies that manage the federal student loan portfolio.\u003c/p>\n\u003cp>I was talking earlier today with Scott Buchanan. He’s head of the Student Loan Servicing Alliance, and he told me it’s going to be bumpy. That was his word. He said SAVE borrowers are going to have a ton of questions. They will need a ton of handholding to get back into repayment. And part of the problem here is the options available to them are a little murky. Republicans’ One Big Beautiful Bill Act created two new repayment plans, but they’re not going to roll out till July, which is too late for the purposes of SAVE borrowers now. Meanwhile, borrower advocates were sounding in the alarm today. Here’s Persis Yu with the group Protect Borrowers.\u003c/p>\n\u003cp>PERSIS YU: The reality is, is that the SAVE plan was created because the other plans were unaffordable for millions of borrowers. So many borrowers are going to be in the difficult spot of making this decision about whether or not to stay current on their loans or feed their families and keep a roof over their head.\u003c/p>\n\u003cp>TURNER: And Scott, this settlement lands at a time when millions of other borrowers are already way behind on their loan payments.\u003c/p>\n\u003cp>DETROW: Yeah. Do we have a sense of what exactly is going on there?\u003c/p>\n\u003cp>TURNER: Yeah. According to the latest tranche of data from the Education Department, some 12 million borrowers are either really behind on their payments or already in default. That’s at least a quarter of all federal student loan borrowers. And everybody I talk to on both sides of the aisle here say this is a crisis. And now we’re talking about how to get these 7 million SAVE borrowers, many of whom are low-income, back into repayment. This is going to be an incredible test for the department and obviously for these borrowers. And my best advice right now to these borrowers is to go to studentaid.gov and start reading up on the other repayment plans out there so you know what your options are.\u003c/p>\n\u003cp>DETROW: That is NPR education correspondent Cory Turner. Thank you so much.\u003c/p>\n\u003cp>TURNER: You’re welcome.\u003c/p>\n\u003cp>(SOUNDBITE OF FREDDIE GIBBS AND MADLIB SONG, “GAT D***”)\u003c/p>\n\u003c/div>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>The cities of Albuquerque, N.M., Boston, Chicago and San Francisco are suing the Trump administration over changes it plans to make to the popular Public Service Loan Forgiveness program, or PSLF.\u003c/p>\n\u003cp>The lawsuit, which also includes the nation’s two largest teachers unions and the American Federation of State, County and Municipal Employees, comes less than a week after the U.S. Department of Education \u003ca href=\"https://www.federalregister.gov/documents/2025/10/31/2025-19729/william-d-ford-federal-direct-loan-direct-loan-program\" target=\"_blank\" rel=\"noopener\">published a rule change\u003c/a> to PSLF.\u003c/p>\n\u003cp>Effective July 1, 2026, the department says the change will allow it to deny loan forgiveness to workers whose government or nonprofit employers engage in activities with a “substantial illegal purpose.” The job of defining “substantial illegal purpose” will fall not to the courts but to the education secretary.\u003c/p>\n\u003cp>PSLF was created by Congress in 2007, and signed by then-President George W. Bush, to cancel the federal student loan debts of borrowers who spend a decade working in public service, including teaching, nursing and policing.\u003c/p>\n\u003cp>According to the lawsuit, filed Monday in the U.S. District Court for the District of Massachusetts, the plaintiffs fear that a city or county government’s resistance to the administration’s immigration actions, for example, or anti-DEI policies, could lead the secretary to exclude that government’s public workers from loan forgiveness. They worry that a local nurse or first responder could be denied loan forgiveness because their local leaders defied the Trump administration.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The complaint argues the rule is “an attempt to target organizations and jurisdictions whose missions and policies do not align with [the Trump administration’s] political positions on immigration, race, gender, free speech, and public protest.”\u003c/p>\n\u003cp>“Politically motivated retaliation, like what the administration has done here, should have no place in America,” said Skye Perryman, president and CEO of Democracy Forward, one of the organizations representing the plaintiffs.\u003c/p>\n\u003cp>The plaintiff group also includes the National Council of Nonprofits, which \u003ca href=\"https://www.councilofnonprofits.org/pressreleases/nonprofits-oppose-unlawful-public-service-loan-forgiveness-final-rule-limiting\" target=\"_blank\" rel=\"noopener\">said in a statement\u003c/a> upon the rule’s release:\u003c/p>\n\u003cp>“Nonprofits operate food banks, serve veterans, assist domestic violence survivors, deliver meals to seniors, respond to disasters, and much more. Nonprofits must be able to identify and meet those needs without political interference, fear of retribution, or exclusion from a program designed to support their employees.”\u003c/p>\n\u003cp>Under Secretary of Education Nicholas Kent denounced the lawsuit.\u003c/p>\n\u003cp>“It is unconscionable that the plaintiffs are standing up for criminal activity,” Kent said in a statement to NPR. “This is a commonsense reform that will stop taxpayer dollars from subsidizing organizations involved in terrorism, child trafficking, and transgender procedures that are doing irreversible harm to children.”\u003c/p>\n\u003cp>In response to plaintiffs’ concerns that the administration could use PSLF as a weapon to punish political opponents, Kent insisted “the Department will enforce [the rule] neutrally, without consideration of the employer’s mission, ideology, or the population they serve.”\u003c/p>\n\u003cp>The complaint says PSLF has allowed local governments to retain employees, including lawyers and engineers, who could earn more in the private sector. Albuquerque’s leaders say that losing access to PSLF “would likely create an untenable staffing crisis.”\u003c/p>\n\u003cp>In a statement, Boston Mayor Michelle Wu added: “The City is joining with cities, unions, and nonprofits across the country to protect a program that helps Boston’s workforce and millions of Americans in public service careers pay for college.”\u003c/p>\n\u003ch2>What activities does the administration consider to be illegal?\u003c/h2>\n\u003cp>One key question raised by this rule change, and the lawsuit, is: How will the Education Department define activities with “substantial illegal purpose”?\u003c/p>\n\u003cp>According to the rule itself, such activities could include:\u003c/p>\n\u003cul class=\"rte2-style-ul\" style=\"margin-top: 0; margin-bottom: 0; padding-inline-start: 48px;\">\n\u003cli>“aiding and abetting violations of Federal immigration laws”\u003c/li>\n\u003cli>“supporting terrorism or engaging in violence for the purpose of obstructing or influencing Federal Government policy”\u003c/li>\n\u003cli>“engaging in the chemical and surgical castration or mutilation of children in violation of Federal or state law”\u003c/li>\n\u003cli>“engaging in the trafficking of children to another State for purposes of emancipation from their lawful parents in violation of Federal or State law”\u003c/li>\n\u003cli>“engaging in a pattern of aiding and abetting illegal discrimination”\u003c/li>\n\u003cli>“and engaging in a pattern of violating State laws.”\u003c/li>\n\u003c/ul>\n\u003cp>If the secretary determines that an employer has behaved with “substantial illegal purpose,” according to the rule, the employer can either engage with the department and accept a corrective action plan or risk losing access to PSLF for its employees for 10 years.\u003c/p>\n\u003cp>In response to public comments, the Education Department \u003ca href=\"https://public-inspection.federalregister.gov/2025-19729.pdf\" target=\"_blank\" rel=\"noopener\">has said\u003c/a>, “[it] would have no basis to remove eligibility from nonprofits engaged in work related to immigrant communities, LGBTQ+ individuals, or racial justice if those organizations are following the law.”\u003c/p>\n\u003cp>But the plaintiff cities, which sit on the U.S. Justice Department’s \u003ca href=\"https://www.justice.gov/opa/pr/justice-department-publishes-list-sanctuary-jurisdictions\" target=\"_blank\" rel=\"noopener\">“sanctuary jurisdictions”\u003c/a> list, say the Trump administration has already accused them of impeding the enforcement of federal law, and that this rule “represents yet another attack on politically disfavored local governments and nonprofits that have local laws, policies, and missions that are anathemas to the Administration.”\u003c/p>\n\u003cp>“The actions of these cities are legal,” says Persis Yu, of Protect Borrowers, another organization representing the plaintiffs. What’s more, she says, “whether or not these activities are legal, is not a [determination] that the secretary of education has either the right or the expertise to be making.”\u003cem> \u003c/em>\u003c/p>\n\u003cp>The new rule is the culmination of \u003ca href=\"https://www.whitehouse.gov/presidential-actions/2025/03/restoring-public-service-loan-forgiveness/\" target=\"_blank\" rel=\"noopener\">a presidential action\u003c/a>, issued in March, in which President Trump accused the Biden administration of abusing PSLF, and said the program “has misdirected tax dollars into activist organizations that not only fail to serve the public interest, but actually harm our national security and American values, sometimes through criminal means.”\u003c/p>\n\u003ch2>What did Congress intend when it created PSLF?\u003c/h2>\n\u003cp>The plaintiffs argue Congress was clear about what should qualify as “public service” when it wrote the law, and that this new rule goes against lawmakers’ intent.\u003c/p>\n\u003cp>“The Higher Education Act defines public service jobs as including government or a 501(c)(3) tax-exempt nonprofit organization. It does not provide any discretion or wiggle room within that definition,” Yu says. “Congress has said that this is who is entitled to public service loan forgiveness. The secretary doesn’t have the authority to change that.”\u003c/p>\n\u003cp>In response to public comments, the Education Department has \u003ca href=\"https://public-inspection.federalregister.gov/2025-19729.pdf\" target=\"_blank\" rel=\"noopener\">disagreed\u003c/a>, writing that “[it] rejects the suggestion that this rule exceeds its legal authority. The [Higher Education Act] grants the Secretary explicit power to regulate title IV programs. PSLF is a title IV program, and its proper administration requires clear, enforceable standards.”\u003c/p>\n\u003cp>Another lawsuit was filed in tandem Monday, by a coalition of 21 state attorneys general, arguing on behalf of Democratic-leaning state governments that worry their public employees could likewise be denied loan forgiveness because of state leaders’ decisions to support immigrants, promote DEI or provide gender affirming care.\u003c/p>\n\u003cp>The coalition of attorneys general warned in a press release that the rule would result in “widespread confusion, fear, and instability in the public workforce, forcing states to confront severe staffing shortages, higher turnover, and skyrocketing costs to maintain essential services.”\u003c/p>\n\u003cp>According to federal data, more than 1.1 million public service workers have thus far had their federal student loan debts discharged under PSLF.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cem>This story was updated to include comment from the U.S. Department of Education.\u003c/em>\u003c/p>\n\u003cdiv class=\"npr-transcript\">\n\u003cp>\u003cstrong>Transcript:\u003c/strong>\u003c/p>\n\u003cp>JUANA SUMMERS, HOST:\u003c/p>\n\u003cp>More than a million Americans have had their student loan debts erased because they’ve worked in public service. Many teachers, nurses, government and nonprofit workers have stayed in their jobs in hopes of benefiting from the federal Public Service Loan Forgiveness program. Now, though, the Trump administration is changing the rules around who can qualify. Today, a host of cities and 21 states led by Democrats filed a pair of lawsuits saying they fear their public workers could soon be excluded. NPR’s Cory Turner is here in the studio with more. Hey.\u003c/p>\n\u003cp>CORY TURNER, BYLINE: Hey, Juana.\u003c/p>\n\u003cp>SUMMERS: So Cory, let’s just start with a quick reminder of the PSLF program. How is it supposed to work?\u003c/p>\n\u003cp>TURNER: Yeah, it was created by Congress in 2007, signed by then-President George W. Bush. And the law offers what is essentially a quid pro quo to federal student loan borrowers. If you work for 10 years in public service, the government agrees to erase whatever is left of your student loan debts. The idea was to help nonprofits and state and local governments hire and retain good people even if they can’t pay private sector wages. And Congress, we should say, defined public service really broadly in the law to include anyone working in government or a 501(c)(3) nonprofit.\u003c/p>\n\u003cp>SUMMERS: Right, OK. So help me understand, then, how does the Trump administration hope to change this program?\u003c/p>\n\u003cp>TURNER: Yeah, they released a final rule change last week that will go into effect in July, and it allows the education secretary to deny loan forgiveness if employers engage in activities with, quote, “substantial illegal purpose,” Juana.\u003c/p>\n\u003cp>SUMMERS: OK.\u003c/p>\n\u003cp>TURNER: There, the department includes, quote, “aiding and abetting violations of federal immigration laws,” also engaging in, quote, “the chemical and surgical castration or mutilation of children in violation of federal or state law.” The concern among these states and cities with this lawsuit is that by being what the Justice Department has called sanctuary jurisdictions, for example, or by following state or local laws that promote diversity or protect the rights of transgender people, the secretary of education could say to them, look, I think your leaders are acting with illegal purpose, and then bar any of that state or local government’s employees from getting loan forgiveness. These suits accuse the administration, essentially, of trying to weaponize PSLF and they argue the secretary doesn’t have the authority, let alone the expertise, to decide what is illegal purpose or to add restrictions that Congress never intended in the law.\u003c/p>\n\u003cp>SUMMERS: Cory, what’s the Trump administration had to say about those accusations?\u003c/p>\n\u003cp>TURNER: Yeah, in a statement today from the undersecretary of education, Nicholas Kent, he called it – opposition to the rule unconscionable. Kent also said, quote, “this is a commonsense reform that will stop taxpayer dollars from subsidizing organizations involved in terrorism, child trafficking and transgender procedures that are doing irreversible harm.” He also insisted the rule would be enforced, quote, “without consideration of the employer’s mission, ideology or the population they serve.” One last thing, Juana. Employers at risk of failing this new standard will have two options. They can risk being excluded from loan forgiveness for 10 years or they can change their policies as part of a corrective action plan.\u003c/p>\n\u003cp>SUMMERS: NPR education correspondent Cory Turner, thank you.\u003c/p>\n\u003cp>TURNER: You’re welcome.\u003c/p>\n\u003c/div>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The cities of Albuquerque, N.M., Boston, Chicago and San Francisco are suing the Trump administration over changes it plans to make to the popular Public Service Loan Forgiveness program, or PSLF.\u003c/p>\n\u003cp>The lawsuit, which also includes the nation’s two largest teachers unions and the American Federation of State, County and Municipal Employees, comes less than a week after the U.S. Department of Education \u003ca href=\"https://www.federalregister.gov/documents/2025/10/31/2025-19729/william-d-ford-federal-direct-loan-direct-loan-program\" target=\"_blank\" rel=\"noopener\">published a rule change\u003c/a> to PSLF.\u003c/p>\n\u003cp>Effective July 1, 2026, the department says the change will allow it to deny loan forgiveness to workers whose government or nonprofit employers engage in activities with a “substantial illegal purpose.” The job of defining “substantial illegal purpose” will fall not to the courts but to the education secretary.\u003c/p>\n\u003cp>PSLF was created by Congress in 2007, and signed by then-President George W. Bush, to cancel the federal student loan debts of borrowers who spend a decade working in public service, including teaching, nursing and policing.\u003c/p>\n\u003cp>According to the lawsuit, filed Monday in the U.S. District Court for the District of Massachusetts, the plaintiffs fear that a city or county government’s resistance to the administration’s immigration actions, for example, or anti-DEI policies, could lead the secretary to exclude that government’s public workers from loan forgiveness. They worry that a local nurse or first responder could be denied loan forgiveness because their local leaders defied the Trump administration.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The complaint argues the rule is “an attempt to target organizations and jurisdictions whose missions and policies do not align with [the Trump administration’s] political positions on immigration, race, gender, free speech, and public protest.”\u003c/p>\n\u003cp>“Politically motivated retaliation, like what the administration has done here, should have no place in America,” said Skye Perryman, president and CEO of Democracy Forward, one of the organizations representing the plaintiffs.\u003c/p>\n\u003cp>The plaintiff group also includes the National Council of Nonprofits, which \u003ca href=\"https://www.councilofnonprofits.org/pressreleases/nonprofits-oppose-unlawful-public-service-loan-forgiveness-final-rule-limiting\" target=\"_blank\" rel=\"noopener\">said in a statement\u003c/a> upon the rule’s release:\u003c/p>\n\u003cp>“Nonprofits operate food banks, serve veterans, assist domestic violence survivors, deliver meals to seniors, respond to disasters, and much more. Nonprofits must be able to identify and meet those needs without political interference, fear of retribution, or exclusion from a program designed to support their employees.”\u003c/p>\n\u003cp>Under Secretary of Education Nicholas Kent denounced the lawsuit.\u003c/p>\n\u003cp>“It is unconscionable that the plaintiffs are standing up for criminal activity,” Kent said in a statement to NPR. “This is a commonsense reform that will stop taxpayer dollars from subsidizing organizations involved in terrorism, child trafficking, and transgender procedures that are doing irreversible harm to children.”\u003c/p>\n\u003cp>In response to plaintiffs’ concerns that the administration could use PSLF as a weapon to punish political opponents, Kent insisted “the Department will enforce [the rule] neutrally, without consideration of the employer’s mission, ideology, or the population they serve.”\u003c/p>\n\u003cp>The complaint says PSLF has allowed local governments to retain employees, including lawyers and engineers, who could earn more in the private sector. Albuquerque’s leaders say that losing access to PSLF “would likely create an untenable staffing crisis.”\u003c/p>\n\u003cp>In a statement, Boston Mayor Michelle Wu added: “The City is joining with cities, unions, and nonprofits across the country to protect a program that helps Boston’s workforce and millions of Americans in public service careers pay for college.”\u003c/p>\n\u003ch2>What activities does the administration consider to be illegal?\u003c/h2>\n\u003cp>One key question raised by this rule change, and the lawsuit, is: How will the Education Department define activities with “substantial illegal purpose”?\u003c/p>\n\u003cp>According to the rule itself, such activities could include:\u003c/p>\n\u003cul class=\"rte2-style-ul\" style=\"margin-top: 0; margin-bottom: 0; padding-inline-start: 48px;\">\n\u003cli>“aiding and abetting violations of Federal immigration laws”\u003c/li>\n\u003cli>“supporting terrorism or engaging in violence for the purpose of obstructing or influencing Federal Government policy”\u003c/li>\n\u003cli>“engaging in the chemical and surgical castration or mutilation of children in violation of Federal or state law”\u003c/li>\n\u003cli>“engaging in the trafficking of children to another State for purposes of emancipation from their lawful parents in violation of Federal or State law”\u003c/li>\n\u003cli>“engaging in a pattern of aiding and abetting illegal discrimination”\u003c/li>\n\u003cli>“and engaging in a pattern of violating State laws.”\u003c/li>\n\u003c/ul>\n\u003cp>If the secretary determines that an employer has behaved with “substantial illegal purpose,” according to the rule, the employer can either engage with the department and accept a corrective action plan or risk losing access to PSLF for its employees for 10 years.\u003c/p>\n\u003cp>In response to public comments, the Education Department \u003ca href=\"https://public-inspection.federalregister.gov/2025-19729.pdf\" target=\"_blank\" rel=\"noopener\">has said\u003c/a>, “[it] would have no basis to remove eligibility from nonprofits engaged in work related to immigrant communities, LGBTQ+ individuals, or racial justice if those organizations are following the law.”\u003c/p>\n\u003cp>But the plaintiff cities, which sit on the U.S. Justice Department’s \u003ca href=\"https://www.justice.gov/opa/pr/justice-department-publishes-list-sanctuary-jurisdictions\" target=\"_blank\" rel=\"noopener\">“sanctuary jurisdictions”\u003c/a> list, say the Trump administration has already accused them of impeding the enforcement of federal law, and that this rule “represents yet another attack on politically disfavored local governments and nonprofits that have local laws, policies, and missions that are anathemas to the Administration.”\u003c/p>\n\u003cp>“The actions of these cities are legal,” says Persis Yu, of Protect Borrowers, another organization representing the plaintiffs. What’s more, she says, “whether or not these activities are legal, is not a [determination] that the secretary of education has either the right or the expertise to be making.”\u003cem> \u003c/em>\u003c/p>\n\u003cp>The new rule is the culmination of \u003ca href=\"https://www.whitehouse.gov/presidential-actions/2025/03/restoring-public-service-loan-forgiveness/\" target=\"_blank\" rel=\"noopener\">a presidential action\u003c/a>, issued in March, in which President Trump accused the Biden administration of abusing PSLF, and said the program “has misdirected tax dollars into activist organizations that not only fail to serve the public interest, but actually harm our national security and American values, sometimes through criminal means.”\u003c/p>\n\u003ch2>What did Congress intend when it created PSLF?\u003c/h2>\n\u003cp>The plaintiffs argue Congress was clear about what should qualify as “public service” when it wrote the law, and that this new rule goes against lawmakers’ intent.\u003c/p>\n\u003cp>“The Higher Education Act defines public service jobs as including government or a 501(c)(3) tax-exempt nonprofit organization. It does not provide any discretion or wiggle room within that definition,” Yu says. “Congress has said that this is who is entitled to public service loan forgiveness. The secretary doesn’t have the authority to change that.”\u003c/p>\n\u003cp>In response to public comments, the Education Department has \u003ca href=\"https://public-inspection.federalregister.gov/2025-19729.pdf\" target=\"_blank\" rel=\"noopener\">disagreed\u003c/a>, writing that “[it] rejects the suggestion that this rule exceeds its legal authority. The [Higher Education Act] grants the Secretary explicit power to regulate title IV programs. PSLF is a title IV program, and its proper administration requires clear, enforceable standards.”\u003c/p>\n\u003cp>Another lawsuit was filed in tandem Monday, by a coalition of 21 state attorneys general, arguing on behalf of Democratic-leaning state governments that worry their public employees could likewise be denied loan forgiveness because of state leaders’ decisions to support immigrants, promote DEI or provide gender affirming care.\u003c/p>\n\u003cp>The coalition of attorneys general warned in a press release that the rule would result in “widespread confusion, fear, and instability in the public workforce, forcing states to confront severe staffing shortages, higher turnover, and skyrocketing costs to maintain essential services.”\u003c/p>\n\u003cp>According to federal data, more than 1.1 million public service workers have thus far had their federal student loan debts discharged under PSLF.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cem>This story was updated to include comment from the U.S. Department of Education.\u003c/em>\u003c/p>\n\u003cdiv class=\"npr-transcript\">\n\u003cp>\u003cstrong>Transcript:\u003c/strong>\u003c/p>\n\u003cp>JUANA SUMMERS, HOST:\u003c/p>\n\u003cp>More than a million Americans have had their student loan debts erased because they’ve worked in public service. Many teachers, nurses, government and nonprofit workers have stayed in their jobs in hopes of benefiting from the federal Public Service Loan Forgiveness program. Now, though, the Trump administration is changing the rules around who can qualify. Today, a host of cities and 21 states led by Democrats filed a pair of lawsuits saying they fear their public workers could soon be excluded. NPR’s Cory Turner is here in the studio with more. Hey.\u003c/p>\n\u003cp>CORY TURNER, BYLINE: Hey, Juana.\u003c/p>\n\u003cp>SUMMERS: So Cory, let’s just start with a quick reminder of the PSLF program. How is it supposed to work?\u003c/p>\n\u003cp>TURNER: Yeah, it was created by Congress in 2007, signed by then-President George W. Bush. And the law offers what is essentially a quid pro quo to federal student loan borrowers. If you work for 10 years in public service, the government agrees to erase whatever is left of your student loan debts. The idea was to help nonprofits and state and local governments hire and retain good people even if they can’t pay private sector wages. And Congress, we should say, defined public service really broadly in the law to include anyone working in government or a 501(c)(3) nonprofit.\u003c/p>\n\u003cp>SUMMERS: Right, OK. So help me understand, then, how does the Trump administration hope to change this program?\u003c/p>\n\u003cp>TURNER: Yeah, they released a final rule change last week that will go into effect in July, and it allows the education secretary to deny loan forgiveness if employers engage in activities with, quote, “substantial illegal purpose,” Juana.\u003c/p>\n\u003cp>SUMMERS: OK.\u003c/p>\n\u003cp>TURNER: There, the department includes, quote, “aiding and abetting violations of federal immigration laws,” also engaging in, quote, “the chemical and surgical castration or mutilation of children in violation of federal or state law.” The concern among these states and cities with this lawsuit is that by being what the Justice Department has called sanctuary jurisdictions, for example, or by following state or local laws that promote diversity or protect the rights of transgender people, the secretary of education could say to them, look, I think your leaders are acting with illegal purpose, and then bar any of that state or local government’s employees from getting loan forgiveness. These suits accuse the administration, essentially, of trying to weaponize PSLF and they argue the secretary doesn’t have the authority, let alone the expertise, to decide what is illegal purpose or to add restrictions that Congress never intended in the law.\u003c/p>\n\u003cp>SUMMERS: Cory, what’s the Trump administration had to say about those accusations?\u003c/p>\n\u003cp>TURNER: Yeah, in a statement today from the undersecretary of education, Nicholas Kent, he called it – opposition to the rule unconscionable. Kent also said, quote, “this is a commonsense reform that will stop taxpayer dollars from subsidizing organizations involved in terrorism, child trafficking and transgender procedures that are doing irreversible harm.” He also insisted the rule would be enforced, quote, “without consideration of the employer’s mission, ideology or the population they serve.” One last thing, Juana. Employers at risk of failing this new standard will have two options. They can risk being excluded from loan forgiveness for 10 years or they can change their policies as part of a corrective action plan.\u003c/p>\n\u003cp>SUMMERS: NPR education correspondent Cory Turner, thank you.\u003c/p>\n\u003cp>TURNER: You’re welcome.\u003c/p>\n\u003c/div>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>In a new \u003ca href=\"https://www.courtlistener.com/docket/69753739/44/american-federation-of-teachers-v-us-department-of-education/\" target=\"_blank\" rel=\"noopener\">court filing\u003c/a>, the American Federation of Teachers (AFT) is asking a federal judge to force the U.S. Department of Education to follow the law and cancel the debts of borrowers who have met longstanding requirements for loan forgiveness.\u003c/p>\n\u003cp>The AFT argues the department is delaying cancellation for many borrowers in a way that is “unwarranted and unlawful” and will have “real and significant consequences.”\u003c/p>\n\u003cp>That’s because the clock is ticking. With the American Rescue Plan, Congress temporarily stopped treating loan cancellation as taxable income until Jan. 1, 2026. Soon, many borrowers will again be expected to pay taxes on those cancelled debts.\u003c/p>\n\u003cp>The AFT is seeking an injunction to force the department to do a few things, including:\u003c/p>\n\u003cul class=\"rte2-style-ul\" style=\"margin-top: 0; margin-bottom: 0; padding-inline-start: 48px;\">\n\u003cli>Cancel the debts of borrowers on income-dependent repayment plans \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\" target=\"_blank\" rel=\"noopener\">like IBR, ICR and PAYE\u003c/a> when those borrowers have met the requirement that they be in repayment for 20 or 25 years.\u003c/li>\n\u003cli>Process thousands of outstanding requests for Public Service Loan Forgiveness from borrowers who “buy back” time that did not previously count.\u003c/li>\n\u003c/ul>\n\u003ch2>The trouble started with the SAVE Plan\u003c/h2>\n\u003cp>The Education Department largely blames these delays in debt cancellation on the Biden administration and the federal courts.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“Congress designed these [plans] to ensure that borrowers repay their loans, yet the Biden Administration tried to illegally force taxpayers to foot the bill,” Education Secretary Linda McMahon \u003ca href=\"https://www.ed.gov/about/news/press-release/us-department-of-education-continues-improve-federal-student-loan-repayment-options-addresses-illegal-biden-administration-actions\" target=\"_blank\" rel=\"noopener\">said in a July statement\u003c/a>.\u003c/p>\n\u003cp>McMahon is referring to the income-driven SAVE repayment plan, which was created by the Biden administration and was so generous in its terms that the courts forced the department to put the plan on ice, throwing much of the loan program into confusion.\u003c/p>\n\u003cp>The Education Department has used the legal uncertainty around SAVE to justify halting cancellation under ICR, PAYE and IBR.\u003c/p>\n\u003cp>IBR was created by Congress and is not being challenged legally. But the department told NPR in July that questions about SAVE’s legality had made it difficult to determine eligibility for cancellation under IBR. As a result, many borrowers who are likely eligible for cancellation are still having to make payments.\u003c/p>\n\u003cp>“For any borrower that makes a payment after they became eligible for forgiveness, the Department will refund overpayments when the discharges resume,” the department told NPR in a statement this week. As for when that might be?\u003c/p>\n\u003cp>The department would not commit to a timetable: “IBR discharges will resume as soon as the Department is able to establish the correct payment count.”\u003c/p>\n\u003ch2>PSLF troubles\u003c/h2>\n\u003cp>Borrowers enrolled in Public Service Loan Forgiveness (PSLF) have also encountered delays. According to court records, by the end of last month, the department had a backlog of nearly 75,000 applications for cancellation under the PSLF “Buyback” program. That allows borrowers with 10 years of verified public service to make qualifying payments for months they spent in forbearance or deferment.\u003c/p>\n\u003cp>In its amended suit, the AFT says, from May to August, the department received far more buyback applications than it processed. Each month, “the Department received an average of 9,902 new applications, but only processed an average of 3,604.”\u003c/p>\n\u003cp>In a statement, Education Department Deputy Press Secretary Ellen Keast says, with the PSLF “Buyback” program, the Biden administration was guilty of “weaponizing a legal discharge plan for political purposes. The Department is working its way through this backlog while ensuring that borrowers have submitted the required 120 payments of qualifying employment.”\u003c/p>\n\u003cp>Processing these buyback applications can be time-consuming, and the Trump administration’s move to \u003ca href=\"https://www.npr.org/2025/03/12/nx-s1-5325854/trump-education-department-layoffs-civil-rights-student-loans\" target=\"_blank\" rel=\"noopener\">cut the Office of Federal Student Aid’s staff by half\u003c/a> may have slowed its efforts.\u003c/p>\n\u003cfigure class=\"wp-block-embed npr-promo-card insettwocolumn\">\n\u003cdiv class=\"wp-block-embed__wrapper\">\u003c/div>\n\u003c/figure>\n\u003cp>The Jan. 1, 2026, tax changes will not apply to Public Service Loan Forgiveness.\u003c/p>\n\u003ch2>Many borrowers are at risk of default\u003c/h2>\n\u003cp>More than 7 million borrowers are enrolled in SAVE and have not been required to make payments, but the Trump administration \u003ca href=\"https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump\" target=\"_blank\" rel=\"noopener\">recently resumed interest accrual\u003c/a> on these loans, looking to \u003ca href=\"https://www.ed.gov/about/news/press-release/us-department-of-education-continues-improve-federal-student-loan-repayment-options-addresses-illegal-biden-administration-actions\" target=\"_blank\" rel=\"noopener\">nudge borrowers\u003c/a> into alternative plans.\u003c/p>\n\u003cp>But \u003ca href=\"https://storage.courtlistener.com/recap/gov.uscourts.dcd.278527/gov.uscourts.dcd.278527.42.0.pdf\" target=\"_blank\" rel=\"noopener\">court records show\u003c/a> enrolling in an alternative has been slow-going for months. In February, the department temporarily stopped accepting applications for all income-dependent repayment plans, and though it has resumed, more than a million were still pending as of the end of August.\u003c/p>\n\u003cp>The Education Department’s Keast tells NPR this backlog began during the previous administration, and that the department “is actively working with federal student loan servicers and hopes to clear the Biden backlog over the next few months.”\u003c/p>\n\u003cp>Amidst all this confusion and uncertainty, data suggest many federal student loan borrowers \u003ca href=\"https://www.npr.org/2025/09/05/nx-s1-5521317/millions-of-student-loan-borrowers-are-at-risk-of-defaulting-data-shows\" target=\"_blank\" rel=\"noopener\">are failing to repay their loans\u003c/a>.\u003c/p>\n\u003cp>“One in three federal student loan borrowers that are in repayment right now are in some stage of delinquency,” says Daniel Mangrum, a research economist at the Federal Reserve Bank of New York.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Meaning millions of borrowers are now at serious risk of default.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>In a new \u003ca href=\"https://www.courtlistener.com/docket/69753739/44/american-federation-of-teachers-v-us-department-of-education/\" target=\"_blank\" rel=\"noopener\">court filing\u003c/a>, the American Federation of Teachers (AFT) is asking a federal judge to force the U.S. Department of Education to follow the law and cancel the debts of borrowers who have met longstanding requirements for loan forgiveness.\u003c/p>\n\u003cp>The AFT argues the department is delaying cancellation for many borrowers in a way that is “unwarranted and unlawful” and will have “real and significant consequences.”\u003c/p>\n\u003cp>That’s because the clock is ticking. With the American Rescue Plan, Congress temporarily stopped treating loan cancellation as taxable income until Jan. 1, 2026. Soon, many borrowers will again be expected to pay taxes on those cancelled debts.\u003c/p>\n\u003cp>The AFT is seeking an injunction to force the department to do a few things, including:\u003c/p>\n\u003cul class=\"rte2-style-ul\" style=\"margin-top: 0; margin-bottom: 0; padding-inline-start: 48px;\">\n\u003cli>Cancel the debts of borrowers on income-dependent repayment plans \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\" target=\"_blank\" rel=\"noopener\">like IBR, ICR and PAYE\u003c/a> when those borrowers have met the requirement that they be in repayment for 20 or 25 years.\u003c/li>\n\u003cli>Process thousands of outstanding requests for Public Service Loan Forgiveness from borrowers who “buy back” time that did not previously count.\u003c/li>\n\u003c/ul>\n\u003ch2>The trouble started with the SAVE Plan\u003c/h2>\n\u003cp>The Education Department largely blames these delays in debt cancellation on the Biden administration and the federal courts.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“Congress designed these [plans] to ensure that borrowers repay their loans, yet the Biden Administration tried to illegally force taxpayers to foot the bill,” Education Secretary Linda McMahon \u003ca href=\"https://www.ed.gov/about/news/press-release/us-department-of-education-continues-improve-federal-student-loan-repayment-options-addresses-illegal-biden-administration-actions\" target=\"_blank\" rel=\"noopener\">said in a July statement\u003c/a>.\u003c/p>\n\u003cp>McMahon is referring to the income-driven SAVE repayment plan, which was created by the Biden administration and was so generous in its terms that the courts forced the department to put the plan on ice, throwing much of the loan program into confusion.\u003c/p>\n\u003cp>The Education Department has used the legal uncertainty around SAVE to justify halting cancellation under ICR, PAYE and IBR.\u003c/p>\n\u003cp>IBR was created by Congress and is not being challenged legally. But the department told NPR in July that questions about SAVE’s legality had made it difficult to determine eligibility for cancellation under IBR. As a result, many borrowers who are likely eligible for cancellation are still having to make payments.\u003c/p>\n\u003cp>“For any borrower that makes a payment after they became eligible for forgiveness, the Department will refund overpayments when the discharges resume,” the department told NPR in a statement this week. As for when that might be?\u003c/p>\n\u003cp>The department would not commit to a timetable: “IBR discharges will resume as soon as the Department is able to establish the correct payment count.”\u003c/p>\n\u003ch2>PSLF troubles\u003c/h2>\n\u003cp>Borrowers enrolled in Public Service Loan Forgiveness (PSLF) have also encountered delays. According to court records, by the end of last month, the department had a backlog of nearly 75,000 applications for cancellation under the PSLF “Buyback” program. That allows borrowers with 10 years of verified public service to make qualifying payments for months they spent in forbearance or deferment.\u003c/p>\n\u003cp>In its amended suit, the AFT says, from May to August, the department received far more buyback applications than it processed. Each month, “the Department received an average of 9,902 new applications, but only processed an average of 3,604.”\u003c/p>\n\u003cp>In a statement, Education Department Deputy Press Secretary Ellen Keast says, with the PSLF “Buyback” program, the Biden administration was guilty of “weaponizing a legal discharge plan for political purposes. The Department is working its way through this backlog while ensuring that borrowers have submitted the required 120 payments of qualifying employment.”\u003c/p>\n\u003cp>Processing these buyback applications can be time-consuming, and the Trump administration’s move to \u003ca href=\"https://www.npr.org/2025/03/12/nx-s1-5325854/trump-education-department-layoffs-civil-rights-student-loans\" target=\"_blank\" rel=\"noopener\">cut the Office of Federal Student Aid’s staff by half\u003c/a> may have slowed its efforts.\u003c/p>\n\u003cfigure class=\"wp-block-embed npr-promo-card insettwocolumn\">\n\u003cdiv class=\"wp-block-embed__wrapper\">\u003c/div>\n\u003c/figure>\n\u003cp>The Jan. 1, 2026, tax changes will not apply to Public Service Loan Forgiveness.\u003c/p>\n\u003ch2>Many borrowers are at risk of default\u003c/h2>\n\u003cp>More than 7 million borrowers are enrolled in SAVE and have not been required to make payments, but the Trump administration \u003ca href=\"https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump\" target=\"_blank\" rel=\"noopener\">recently resumed interest accrual\u003c/a> on these loans, looking to \u003ca href=\"https://www.ed.gov/about/news/press-release/us-department-of-education-continues-improve-federal-student-loan-repayment-options-addresses-illegal-biden-administration-actions\" target=\"_blank\" rel=\"noopener\">nudge borrowers\u003c/a> into alternative plans.\u003c/p>\n\u003cp>But \u003ca href=\"https://storage.courtlistener.com/recap/gov.uscourts.dcd.278527/gov.uscourts.dcd.278527.42.0.pdf\" target=\"_blank\" rel=\"noopener\">court records show\u003c/a> enrolling in an alternative has been slow-going for months. In February, the department temporarily stopped accepting applications for all income-dependent repayment plans, and though it has resumed, more than a million were still pending as of the end of August.\u003c/p>\n\u003cp>The Education Department’s Keast tells NPR this backlog began during the previous administration, and that the department “is actively working with federal student loan servicers and hopes to clear the Biden backlog over the next few months.”\u003c/p>\n\u003cp>Amidst all this confusion and uncertainty, data suggest many federal student loan borrowers \u003ca href=\"https://www.npr.org/2025/09/05/nx-s1-5521317/millions-of-student-loan-borrowers-are-at-risk-of-defaulting-data-shows\" target=\"_blank\" rel=\"noopener\">are failing to repay their loans\u003c/a>.\u003c/p>\n\u003cp>“One in three federal student loan borrowers that are in repayment right now are in some stage of delinquency,” says Daniel Mangrum, a research economist at the Federal Reserve Bank of New York.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Meaning millions of borrowers are now at serious risk of default.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>If you’re a federal student loan borrower or about to become one, your head may be spinning.\u003c/p>\n\u003cp>On July 4, when President Trump signed the One Big Beautiful Bill Act \u003ca href=\"https://www.npr.org/2025/07/03/nx-s1-5454841/house-republicans-trump-tax-bill-medicaid\" target=\"_blank\" rel=\"noopener\">into law\u003c/a>, he also greenlit a history-making overhaul of the federal student loan system — one that will affect the lives of many, if not most, of the United States’ nearly 43 million student loan borrowers.\u003c/p>\n\u003cp>And boy is it a lot to unpack, with new, tighter borrowing limits and dramatically reduced repayment options, to name just a few of the sweeping changes.\u003c/p>\n\u003cp>In May, we \u003ca href=\"https://www.npr.org/2025/05/12/nx-s1-5389644/trump-student-loan-program-forgiveness-overhaul\" target=\"_blank\" rel=\"noopener\">explained\u003c/a> this overhaul, as conceived by House Republicans. Now that a Senate compromise has been signed into law, here’s an updated guided tour of the final changes.\u003c/p>\n\u003cp>Let’s start with the elephant in the room:\u003c/p>\n\u003ch2>President Biden’s SAVE plan is ending\u003c/h2>\n\u003cp>The most generous repayment plan is the Biden-era Saving on a Valuable Education (SAVE) plan. But it is so generous, with its low monthly payments and expedited loan forgiveness, that Republicans have so far successfully argued in court that it is \u003cem>too\u003c/em> generous. In fact, the nearly 7.7 million borrowers currently enrolled in SAVE have been in legal limbo for months, without interest accruing or required monthly payments.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>That’s about to change.\u003c/p>\n\u003cp>“For all practical purposes, I would say SAVE is just kind of dead at this point, even if it’s technically on life support,” said Preston Cooper at the conservative-leaning American Enterprise Institute (AEI).\u003c/p>\n\u003cp>This month, the U.S. Education Department announced that on Aug. 1, SAVE borrowers will, once again, \u003ca href=\"https://www.ed.gov/about/news/press-release/us-department-of-education-continues-improve-federal-student-loan-repayment-options-addresses-illegal-biden-administration-actions#:~:text=Next%20Steps,well%20as%20their%20principal%20amounts.\" target=\"_blank\" rel=\"noopener\">see their balances grow\u003c/a> — with interest. Because the SAVE plan is still enjoined, though, borrowers won’t yet be required to make payments. Still, Cooper said that many borrowers, rather than watch their loans balloon, will likely want to move to a different plan.\u003c/p>\n\u003cp>Roxanne Garza, director of higher education policy at the liberal-leaning EdTrust, worries that the relatively last-minute announcement about interest accrual will cause problems for the Education Department, which saw \u003ca href=\"https://www.npr.org/2025/03/12/nx-s1-5325854/trump-education-department-layoffs-civil-rights-student-loans\" target=\"_blank\" rel=\"noopener\">roughly half its staff cut\u003c/a> by the Trump administration.\u003c/p>\n\u003cp>“I think what will likely happen now is you will see a rush of people trying to take action that will, again, likely create an even bigger backlog,” said Garza.\u003c/p>\n\u003cp>Under the One Big Beautiful Bill Act, borrowers in SAVE will have to change plans by July 1, 2028, when SAVE will be officially shut down. If they wait, though they currently can’t be required to make payments, they will see their loans explode with interest.\u003c/p>\n\u003cp>But the two new plans that the law creates won’t be ready for a year, and the department’s \u003ca href=\"https://studentaid.gov/loan-simulator/\" target=\"_blank\" rel=\"noopener\">own website\u003c/a>, meant to help borrowers navigate their repayment options, does not reflect this confusing new landscape, except for a banner that says: “Loan Simulator will be updated at a later date to reflect recent legislative changes.”\u003c/p>\n\u003ch2>Beginning July 1, 2026, new loans will be subject to new borrowing limits\u003c/h2>\n\u003cp>Undergraduates won’t see any changes to their \u003ca href=\"https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized\" target=\"_blank\" rel=\"noopener\">loan limits\u003c/a>. But it’s a very different story for graduate students and parents.\u003c/p>\n\u003cp>For graduate students, new limits will make it harder for lower- and middle-income borrowers to attend pricier graduate programs. The current \u003ca href=\"https://studentaid.gov/understand-aid/types/loans/plus/grad\" target=\"_blank\" rel=\"noopener\">grad PLUS loan\u003c/a> allows students to borrow up to the cost of their graduate program, but Republicans are shutting it down this time next year.\u003c/p>\n\u003cp>After that, grad students’ borrowing will be capped at $20,500 a year with a lifetime graduate school loan limit of $100,000, a big drop from the previous cap of $138,500.\u003c/p>\n\u003cp>How big a deal will this be? AEI’s Cooper has been crunching the numbers and said, “Just under 20% of master’s students borrow above the proposed limits.”\u003c/p>\n\u003cp>Borrowers working toward a professional graduate degree (i.e., medical or law school) will have their borrowing capped at $50,000 a year and their lifetime cap increased from $138,500 to $200,000.\u003c/p>\n\u003cp>Parents and caregivers who use parent PLUS loans to help students pay for college will also see new loan limits. They will be capped at $20,000 a year and, in aggregate, at $65,000 per child.\u003c/p>\n\u003cp>Cooper says only one-third of parent PLUS borrowers with dependent children currently take out more than this new annual loan cap.\u003c/p>\n\u003cp>The law also sets a new lifetime limit, for undergrad and graduate loans combined, at $257,500 per person.\u003c/p>\n\u003ch2>Repayment options for borrowers are changing dramatically\u003c/h2>\n\u003cp>Republicans are reducing repayment options for new borrowers from the current seven plans down to two new plans. The new plans are:\u003c/p>\n\u003ch3>\u003cstrong>1. The standard plan\u003c/strong>\u003c/h3>\n\u003cp>New borrowers will be assigned a repayment window of between 10 and 25 years, depending on the size of their debt, with equal monthly payments like a home mortgage.\u003c/p>\n\u003cp>Under \u003ca href=\"https://edworkforce.house.gov/uploadedfiles/ans_el_recon_01_xml.pdf\" target=\"_blank\" rel=\"noopener\">this plan\u003c/a>, borrowers with larger debts would qualify for a longer repayment period:\u003c/p>\n\u003cul>\n\u003cli>Owe less than $25,000, and repay over 10 years.\u003c/li>\n\u003cli>Owe $25,000 or more but less than $50,000? Repayment expands to 15 years.\u003c/li>\n\u003cli>Owe $50,000 or more but less than $100,000: Repay over 20 years.\u003c/li>\n\u003cli>Anyone owing $100,000 or more would repay over a 25-year period.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003cstrong>2. The Repayment Assistance Plan (RAP) \u003c/strong>\u003c/h3>\n\u003cp>For borrowers worried they don’t earn enough to cover the inflexible monthly payments of the new standard plan, Republicans have also created the Repayment Assistance Plan (RAP).\u003c/p>\n\u003cp>On RAP, payments would largely be based on borrowers’ total adjusted gross income (AGI).\u003c/p>\n\u003cul>\n\u003cli>Borrowers earning no more than $10,000 would be asked to pay $10 a month.\u003c/li>\n\u003cli>Earn more than $10,000 but not more than $20,000, and your payment will be based on 1% of AGI.\u003c/li>\n\u003cli>More than $20,000 but not more than $30,000, it would be 2% of AGI and so on up the income scale.\u003c/li>\n\u003cli>Repayment tops out at 10% of AGI for borrowers earning $100,000 a year or more.\u003c/li>\n\u003c/ul>\n\u003cp>Current borrowers will also have access to this new RAP plan, as well as to some older plans.\u003c/p>\n\u003cp>RAP is the latest in a long line of income-based repayment plans. How does it compare with previous plans?\u003c/p>\n\u003cp>\u003cstrong>Monthly payments for many middle-income borrowers on RAP will be \u003cem>lower \u003c/em>\u003c/strong>compared with earlier plans, \u003ca href=\"https://www.urban.org/sites/default/files/2025-05/House_Republicans_Proposed_IDR_Plan_for_Student_Loans.pdf\" target=\"_blank\" rel=\"noopener\">according to\u003c/a> multiple \u003ca href=\"https://www.aei.org/research-products/report/an-analysis-of-the-one-big-beautiful-bill-acts-effect-on-student-loans/#scrollSection7\" target=\"_blank\" rel=\"noopener\">experts\u003c/a>. But RAP is not as generous as the Biden-era SAVE plan, which, again, is being phased out.\u003c/p>\n\u003cp>RAP will require even the lowest-income borrowers to make a minimum monthly payment of $10, ending the $0 option of previous plans and making it more expensive for these borrowers.\u003c/p>\n\u003cp>This new $10 minimum payment wouldn’t make a big difference to the government’s coffers, said Jason Delisle, who spoke to NPR \u003ca href=\"https://www.npr.org/2025/05/12/nx-s1-5389644/trump-student-loan-program-forgiveness-overhaul\" target=\"_blank\" rel=\"noopener\">in May\u003c/a>, when he was studying student loan policy at the Urban Institute. Delisle has since been appointed to a position in the Trump administration.\u003c/p>\n\u003cp>Delisle said the purpose of RAP’s new $10 minimum payment likely stems from “emerging research that requiring people to make some payment each month is good because it keeps them connected to the loan and makes it less likely that they’ll default\u003cem>.”\u003c/em>\u003c/p>\n\u003cp>But some borrower advocates worry that this new minimum payment could have the opposite effect.\u003c/p>\n\u003cp>For the lowest-income borrowers, asking for $120 a year is “significant,” EdTrust’s Garza told NPR in May. “I think having that be a required minimum payment will likely push more borrowers into default.”\u003c/p>\n\u003cp>But RAP also comes with a few new perks that borrowers will likely appreciate.\u003c/p>\n\u003cp>\u003cstrong>RAP will waive any interest that is left after a borrower makes their monthly payment. \u003c/strong>\u003c/p>\n\u003cp>If their monthly payment is $50 but they owe $75 a month in interest, the government will waive the remaining $25.\u003c/p>\n\u003cp>The result: Borrowers will no longer see their loans\u003cem> grow\u003c/em>, which was a common downside to previous income-driven repayment plans.\u003c/p>\n\u003cp>\u003cstrong>Borrowers on RAP will also see their balances go \u003cem>down \u003c/em>\u003c/strong>\u003ca href=\"https://www.aei.org/education/house-republicans-proposed-repayment-plan-fixes-vexing-student-loan-problem/\" target=\"_blank\" rel=\"noopener\">\u003cstrong>every month\u003c/strong>\u003c/a>\u003cstrong>.\u003c/strong>\u003c/p>\n\u003cp>The government will pitch in up to $50 to make sure lower-income borrowers see their principal balances shrink.\u003c/p>\n\u003cp>For example, a borrower whose monthly payment makes only a $30 dent in their principal would see the government knocking off an extra $20 a month.\u003c/p>\n\u003cp>Borrowers whose monthly payments already reduce their principal balance by at least $50 would get no extra help from the government.\u003c/p>\n\u003cp>“It’s a form of monthly loan forgiveness,” Delisle said. “It’s a drip, drip, drip of loan forgiveness, rather than waiting for the big payout at the end of 20 years.”\u003c/p>\n\u003cp>\u003cstrong>The loan forgiveness math will change.\u003c/strong>\u003c/p>\n\u003cp>While previous plans offered forgiveness after 20 or 25 years, the RAP would extend that to 360 qualifying payments, or 30 years. That’s a big difference, said AEI’s Cooper.\u003c/p>\n\u003cp>Borrowers with typical levels of debt “and typical incomes for their degree level are almost always gonna pay off well before they hit that 30-year mark,” Cooper said. “So if you’re going into RAP, I wouldn’t be thinking about forgiveness because you’re probably gonna pay it off before you hit 30 years.”\u003c/p>\n\u003cp>In short, the days of what Delisle called “the big payout” are over.\u003c/p>\n\u003cp>\u003cstrong>But wait! Current borrowers have another loan forgiveness option (sort of).\u003c/strong>\u003c/p>\n\u003cp>In addition to RAP, an older plan known as Income-Based Repayment (IBR) will still be available to borrowers who take out their loans before July 1, 2026.\u003c/p>\n\u003cp>Part of the reason IBR remains is that, unlike other income-driven repayment plans, IBR wasn’t created by the Education Department. It was created by Congress and is codified in statute.\u003c/p>\n\u003cp>How does IBR work? For borrowers with loans older than July 2014, their payments are capped at 15% of discretionary income. Payments on younger loans are capped at 10%.\u003c/p>\n\u003cp>With the Biden-era SAVE plan being wound down, Delisle said, most lower- and middle-income borrowers would likely have lower monthly payments on the new RAP compared with IBR.\u003c/p>\n\u003cp>But, Delisle said, borrowers with older loans might still want to enroll in IBR if they’ve been in repayment for close to 20 or 25 years, so they can qualify for loan forgiveness.\u003c/p>\n\u003cp>That’s because, on IBR, pre-2014 loans qualify for forgiveness after 25 years. For newer loans, it’s just 20 years — both considerably shorter than RAP’s 30-year schedule.\u003c/p>\n\u003cp>One big caveat to all this: The Education Department has temporarily stopped processing all loan forgiveness for borrowers on IBR because of the legal actions surrounding the SAVE plan, according to a statement from Education Department Deputy Press Secretary Ellen Keast.\u003c/p>\n\u003cp>Keast said the Biden-era rule explaining SAVE “provided the authority to count forbearances in IBR toward loan forgiveness” and, because that rule has been frozen by the courts, the department can’t accurately determine loan forgiveness under IBR. “Discharges will resume as soon as the Department is able to establish the correct payment count,” Keast said.\u003c/p>\n\u003cp>The department told NPR that any borrowers who make payments after they’re eligible for forgiveness will eventually get a refund.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003cem>Edited by \u003c/em>\u003ca href=\"https://www.npr.org/people/348780034/nicole-cohen\" target=\"_blank\" rel=\"noopener\">\u003cem>Nicole Cohen\u003c/em>\u003c/a>\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>If you’re a federal student loan borrower or about to become one, your head may be spinning.\u003c/p>\n\u003cp>On July 4, when President Trump signed the One Big Beautiful Bill Act \u003ca href=\"https://www.npr.org/2025/07/03/nx-s1-5454841/house-republicans-trump-tax-bill-medicaid\" target=\"_blank\" rel=\"noopener\">into law\u003c/a>, he also greenlit a history-making overhaul of the federal student loan system — one that will affect the lives of many, if not most, of the United States’ nearly 43 million student loan borrowers.\u003c/p>\n\u003cp>And boy is it a lot to unpack, with new, tighter borrowing limits and dramatically reduced repayment options, to name just a few of the sweeping changes.\u003c/p>\n\u003cp>In May, we \u003ca href=\"https://www.npr.org/2025/05/12/nx-s1-5389644/trump-student-loan-program-forgiveness-overhaul\" target=\"_blank\" rel=\"noopener\">explained\u003c/a> this overhaul, as conceived by House Republicans. Now that a Senate compromise has been signed into law, here’s an updated guided tour of the final changes.\u003c/p>\n\u003cp>Let’s start with the elephant in the room:\u003c/p>\n\u003ch2>President Biden’s SAVE plan is ending\u003c/h2>\n\u003cp>The most generous repayment plan is the Biden-era Saving on a Valuable Education (SAVE) plan. But it is so generous, with its low monthly payments and expedited loan forgiveness, that Republicans have so far successfully argued in court that it is \u003cem>too\u003c/em> generous. In fact, the nearly 7.7 million borrowers currently enrolled in SAVE have been in legal limbo for months, without interest accruing or required monthly payments.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>That’s about to change.\u003c/p>\n\u003cp>“For all practical purposes, I would say SAVE is just kind of dead at this point, even if it’s technically on life support,” said Preston Cooper at the conservative-leaning American Enterprise Institute (AEI).\u003c/p>\n\u003cp>This month, the U.S. Education Department announced that on Aug. 1, SAVE borrowers will, once again, \u003ca href=\"https://www.ed.gov/about/news/press-release/us-department-of-education-continues-improve-federal-student-loan-repayment-options-addresses-illegal-biden-administration-actions#:~:text=Next%20Steps,well%20as%20their%20principal%20amounts.\" target=\"_blank\" rel=\"noopener\">see their balances grow\u003c/a> — with interest. Because the SAVE plan is still enjoined, though, borrowers won’t yet be required to make payments. Still, Cooper said that many borrowers, rather than watch their loans balloon, will likely want to move to a different plan.\u003c/p>\n\u003cp>Roxanne Garza, director of higher education policy at the liberal-leaning EdTrust, worries that the relatively last-minute announcement about interest accrual will cause problems for the Education Department, which saw \u003ca href=\"https://www.npr.org/2025/03/12/nx-s1-5325854/trump-education-department-layoffs-civil-rights-student-loans\" target=\"_blank\" rel=\"noopener\">roughly half its staff cut\u003c/a> by the Trump administration.\u003c/p>\n\u003cp>“I think what will likely happen now is you will see a rush of people trying to take action that will, again, likely create an even bigger backlog,” said Garza.\u003c/p>\n\u003cp>Under the One Big Beautiful Bill Act, borrowers in SAVE will have to change plans by July 1, 2028, when SAVE will be officially shut down. If they wait, though they currently can’t be required to make payments, they will see their loans explode with interest.\u003c/p>\n\u003cp>But the two new plans that the law creates won’t be ready for a year, and the department’s \u003ca href=\"https://studentaid.gov/loan-simulator/\" target=\"_blank\" rel=\"noopener\">own website\u003c/a>, meant to help borrowers navigate their repayment options, does not reflect this confusing new landscape, except for a banner that says: “Loan Simulator will be updated at a later date to reflect recent legislative changes.”\u003c/p>\n\u003ch2>Beginning July 1, 2026, new loans will be subject to new borrowing limits\u003c/h2>\n\u003cp>Undergraduates won’t see any changes to their \u003ca href=\"https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized\" target=\"_blank\" rel=\"noopener\">loan limits\u003c/a>. But it’s a very different story for graduate students and parents.\u003c/p>\n\u003cp>For graduate students, new limits will make it harder for lower- and middle-income borrowers to attend pricier graduate programs. The current \u003ca href=\"https://studentaid.gov/understand-aid/types/loans/plus/grad\" target=\"_blank\" rel=\"noopener\">grad PLUS loan\u003c/a> allows students to borrow up to the cost of their graduate program, but Republicans are shutting it down this time next year.\u003c/p>\n\u003cp>After that, grad students’ borrowing will be capped at $20,500 a year with a lifetime graduate school loan limit of $100,000, a big drop from the previous cap of $138,500.\u003c/p>\n\u003cp>How big a deal will this be? AEI’s Cooper has been crunching the numbers and said, “Just under 20% of master’s students borrow above the proposed limits.”\u003c/p>\n\u003cp>Borrowers working toward a professional graduate degree (i.e., medical or law school) will have their borrowing capped at $50,000 a year and their lifetime cap increased from $138,500 to $200,000.\u003c/p>\n\u003cp>Parents and caregivers who use parent PLUS loans to help students pay for college will also see new loan limits. They will be capped at $20,000 a year and, in aggregate, at $65,000 per child.\u003c/p>\n\u003cp>Cooper says only one-third of parent PLUS borrowers with dependent children currently take out more than this new annual loan cap.\u003c/p>\n\u003cp>The law also sets a new lifetime limit, for undergrad and graduate loans combined, at $257,500 per person.\u003c/p>\n\u003ch2>Repayment options for borrowers are changing dramatically\u003c/h2>\n\u003cp>Republicans are reducing repayment options for new borrowers from the current seven plans down to two new plans. The new plans are:\u003c/p>\n\u003ch3>\u003cstrong>1. The standard plan\u003c/strong>\u003c/h3>\n\u003cp>New borrowers will be assigned a repayment window of between 10 and 25 years, depending on the size of their debt, with equal monthly payments like a home mortgage.\u003c/p>\n\u003cp>Under \u003ca href=\"https://edworkforce.house.gov/uploadedfiles/ans_el_recon_01_xml.pdf\" target=\"_blank\" rel=\"noopener\">this plan\u003c/a>, borrowers with larger debts would qualify for a longer repayment period:\u003c/p>\n\u003cul>\n\u003cli>Owe less than $25,000, and repay over 10 years.\u003c/li>\n\u003cli>Owe $25,000 or more but less than $50,000? Repayment expands to 15 years.\u003c/li>\n\u003cli>Owe $50,000 or more but less than $100,000: Repay over 20 years.\u003c/li>\n\u003cli>Anyone owing $100,000 or more would repay over a 25-year period.\u003c/li>\n\u003c/ul>\n\u003ch3>\u003cstrong>2. The Repayment Assistance Plan (RAP) \u003c/strong>\u003c/h3>\n\u003cp>For borrowers worried they don’t earn enough to cover the inflexible monthly payments of the new standard plan, Republicans have also created the Repayment Assistance Plan (RAP).\u003c/p>\n\u003cp>On RAP, payments would largely be based on borrowers’ total adjusted gross income (AGI).\u003c/p>\n\u003cul>\n\u003cli>Borrowers earning no more than $10,000 would be asked to pay $10 a month.\u003c/li>\n\u003cli>Earn more than $10,000 but not more than $20,000, and your payment will be based on 1% of AGI.\u003c/li>\n\u003cli>More than $20,000 but not more than $30,000, it would be 2% of AGI and so on up the income scale.\u003c/li>\n\u003cli>Repayment tops out at 10% of AGI for borrowers earning $100,000 a year or more.\u003c/li>\n\u003c/ul>\n\u003cp>Current borrowers will also have access to this new RAP plan, as well as to some older plans.\u003c/p>\n\u003cp>RAP is the latest in a long line of income-based repayment plans. How does it compare with previous plans?\u003c/p>\n\u003cp>\u003cstrong>Monthly payments for many middle-income borrowers on RAP will be \u003cem>lower \u003c/em>\u003c/strong>compared with earlier plans, \u003ca href=\"https://www.urban.org/sites/default/files/2025-05/House_Republicans_Proposed_IDR_Plan_for_Student_Loans.pdf\" target=\"_blank\" rel=\"noopener\">according to\u003c/a> multiple \u003ca href=\"https://www.aei.org/research-products/report/an-analysis-of-the-one-big-beautiful-bill-acts-effect-on-student-loans/#scrollSection7\" target=\"_blank\" rel=\"noopener\">experts\u003c/a>. But RAP is not as generous as the Biden-era SAVE plan, which, again, is being phased out.\u003c/p>\n\u003cp>RAP will require even the lowest-income borrowers to make a minimum monthly payment of $10, ending the $0 option of previous plans and making it more expensive for these borrowers.\u003c/p>\n\u003cp>This new $10 minimum payment wouldn’t make a big difference to the government’s coffers, said Jason Delisle, who spoke to NPR \u003ca href=\"https://www.npr.org/2025/05/12/nx-s1-5389644/trump-student-loan-program-forgiveness-overhaul\" target=\"_blank\" rel=\"noopener\">in May\u003c/a>, when he was studying student loan policy at the Urban Institute. Delisle has since been appointed to a position in the Trump administration.\u003c/p>\n\u003cp>Delisle said the purpose of RAP’s new $10 minimum payment likely stems from “emerging research that requiring people to make some payment each month is good because it keeps them connected to the loan and makes it less likely that they’ll default\u003cem>.”\u003c/em>\u003c/p>\n\u003cp>But some borrower advocates worry that this new minimum payment could have the opposite effect.\u003c/p>\n\u003cp>For the lowest-income borrowers, asking for $120 a year is “significant,” EdTrust’s Garza told NPR in May. “I think having that be a required minimum payment will likely push more borrowers into default.”\u003c/p>\n\u003cp>But RAP also comes with a few new perks that borrowers will likely appreciate.\u003c/p>\n\u003cp>\u003cstrong>RAP will waive any interest that is left after a borrower makes their monthly payment. \u003c/strong>\u003c/p>\n\u003cp>If their monthly payment is $50 but they owe $75 a month in interest, the government will waive the remaining $25.\u003c/p>\n\u003cp>The result: Borrowers will no longer see their loans\u003cem> grow\u003c/em>, which was a common downside to previous income-driven repayment plans.\u003c/p>\n\u003cp>\u003cstrong>Borrowers on RAP will also see their balances go \u003cem>down \u003c/em>\u003c/strong>\u003ca href=\"https://www.aei.org/education/house-republicans-proposed-repayment-plan-fixes-vexing-student-loan-problem/\" target=\"_blank\" rel=\"noopener\">\u003cstrong>every month\u003c/strong>\u003c/a>\u003cstrong>.\u003c/strong>\u003c/p>\n\u003cp>The government will pitch in up to $50 to make sure lower-income borrowers see their principal balances shrink.\u003c/p>\n\u003cp>For example, a borrower whose monthly payment makes only a $30 dent in their principal would see the government knocking off an extra $20 a month.\u003c/p>\n\u003cp>Borrowers whose monthly payments already reduce their principal balance by at least $50 would get no extra help from the government.\u003c/p>\n\u003cp>“It’s a form of monthly loan forgiveness,” Delisle said. “It’s a drip, drip, drip of loan forgiveness, rather than waiting for the big payout at the end of 20 years.”\u003c/p>\n\u003cp>\u003cstrong>The loan forgiveness math will change.\u003c/strong>\u003c/p>\n\u003cp>While previous plans offered forgiveness after 20 or 25 years, the RAP would extend that to 360 qualifying payments, or 30 years. That’s a big difference, said AEI’s Cooper.\u003c/p>\n\u003cp>Borrowers with typical levels of debt “and typical incomes for their degree level are almost always gonna pay off well before they hit that 30-year mark,” Cooper said. “So if you’re going into RAP, I wouldn’t be thinking about forgiveness because you’re probably gonna pay it off before you hit 30 years.”\u003c/p>\n\u003cp>In short, the days of what Delisle called “the big payout” are over.\u003c/p>\n\u003cp>\u003cstrong>But wait! Current borrowers have another loan forgiveness option (sort of).\u003c/strong>\u003c/p>\n\u003cp>In addition to RAP, an older plan known as Income-Based Repayment (IBR) will still be available to borrowers who take out their loans before July 1, 2026.\u003c/p>\n\u003cp>Part of the reason IBR remains is that, unlike other income-driven repayment plans, IBR wasn’t created by the Education Department. It was created by Congress and is codified in statute.\u003c/p>\n\u003cp>How does IBR work? For borrowers with loans older than July 2014, their payments are capped at 15% of discretionary income. Payments on younger loans are capped at 10%.\u003c/p>\n\u003cp>With the Biden-era SAVE plan being wound down, Delisle said, most lower- and middle-income borrowers would likely have lower monthly payments on the new RAP compared with IBR.\u003c/p>\n\u003cp>But, Delisle said, borrowers with older loans might still want to enroll in IBR if they’ve been in repayment for close to 20 or 25 years, so they can qualify for loan forgiveness.\u003c/p>\n\u003cp>That’s because, on IBR, pre-2014 loans qualify for forgiveness after 25 years. For newer loans, it’s just 20 years — both considerably shorter than RAP’s 30-year schedule.\u003c/p>\n\u003cp>One big caveat to all this: The Education Department has temporarily stopped processing all loan forgiveness for borrowers on IBR because of the legal actions surrounding the SAVE plan, according to a statement from Education Department Deputy Press Secretary Ellen Keast.\u003c/p>\n\u003cp>Keast said the Biden-era rule explaining SAVE “provided the authority to count forbearances in IBR toward loan forgiveness” and, because that rule has been frozen by the courts, the department can’t accurately determine loan forgiveness under IBR. “Discharges will resume as soon as the Department is able to establish the correct payment count,” Keast said.\u003c/p>\n\u003cp>The department told NPR that any borrowers who make payments after they’re eligible for forgiveness will eventually get a refund.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cem>Edited by \u003c/em>\u003ca href=\"https://www.npr.org/people/348780034/nicole-cohen\" target=\"_blank\" rel=\"noopener\">\u003cem>Nicole Cohen\u003c/em>\u003c/a>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>After a five-year hiatus, the U.S. Department of Education says it will begin resuming collections of defaulted student loans on May 5.\u003c/p>\n\u003cfigure class=\"wp-block-embed npr-promo-card insettwocolumn\">\n\u003cdiv class=\"wp-block-embed__wrapper\">\u003c/div>\n\u003c/figure>\n\u003cp>Of the more than 42.7 million student loan borrowers in the U.S., who owe a collective $1.6 trillion, the department says that more than 5 million have not made a payment in the past year. That number is expected to grow as an additional 4 million borrowers are approaching default status.\u003c/p>\n\u003cp>“American taxpayers will no longer be forced to serve as collateral for irresponsible student loan policies,” U.S. Secretary of Education Linda McMahon said in a statement.\u003c/p>\n\u003cp>The department said it will begin notifying borrowers who are in default via email over the next two weeks, urging them to make a payment or to enroll in a repayment plan, and referring them to a \u003ca href=\"https://myeddebt.ed.gov/\" target=\"_blank\" rel=\"noopener\">government website\u003c/a> providing information on how to do so.\u003c/p>\n\u003cp>Then, on May 5, the department will begin referring borrowers who remain in default to a collections program run by the Treasury Department.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“This could not have come at a worst time for millions of Americans,” said Aissa Canchola Bañez, Policy Director for the Student Borrower Protection Center, a nonprofit group that aims to reduce student debt. Those borrowers, she added, “are already finding themselves having to navigate such incredible economic uncertainty over the last few months.”\u003c/p>\n\u003cp>She also points to the fact that older borrowers tend to face the greatest struggles in repaying their loans: nearly 40 percent of federal borrowers over the age of 65 were in default on their student loans, according to \u003ca href=\"https://article.images.consumerreports.org/prod/content/dam/consumerist/2017/01/201701_cfpb_oa-student-loan-snapshot.pdf\" target=\"_blank\" rel=\"noopener\">a 2017 report from the Consumer Financial Protection Bureau\u003c/a>. “These are older folks who are on fixed incomes,” she says.\u003c/p>\n\u003cp>When borrowers fall behind, Bañez added, their credit scores can take a hit, making it harder to qualify for more credit and other loans for things like housing and other basic needs.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The Education Department said in its notice that, later this summer, it will begin the process of garnishing wages—meaning payments would be automatically deducted from borrowers’ paychecks.\u003c/p>\n\n",
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"excerpt": "The Education Department says millions of borrowers in default will have a chance to make a payment or sign up for a repayment plan. But on May 5, those who don't will be referred for collection.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>After a five-year hiatus, the U.S. Department of Education says it will begin resuming collections of defaulted student loans on May 5.\u003c/p>\n\u003cfigure class=\"wp-block-embed npr-promo-card insettwocolumn\">\n\u003cdiv class=\"wp-block-embed__wrapper\">\u003c/div>\n\u003c/figure>\n\u003cp>Of the more than 42.7 million student loan borrowers in the U.S., who owe a collective $1.6 trillion, the department says that more than 5 million have not made a payment in the past year. That number is expected to grow as an additional 4 million borrowers are approaching default status.\u003c/p>\n\u003cp>“American taxpayers will no longer be forced to serve as collateral for irresponsible student loan policies,” U.S. Secretary of Education Linda McMahon said in a statement.\u003c/p>\n\u003cp>The department said it will begin notifying borrowers who are in default via email over the next two weeks, urging them to make a payment or to enroll in a repayment plan, and referring them to a \u003ca href=\"https://myeddebt.ed.gov/\" target=\"_blank\" rel=\"noopener\">government website\u003c/a> providing information on how to do so.\u003c/p>\n\u003cp>Then, on May 5, the department will begin referring borrowers who remain in default to a collections program run by the Treasury Department.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“This could not have come at a worst time for millions of Americans,” said Aissa Canchola Bañez, Policy Director for the Student Borrower Protection Center, a nonprofit group that aims to reduce student debt. Those borrowers, she added, “are already finding themselves having to navigate such incredible economic uncertainty over the last few months.”\u003c/p>\n\u003cp>She also points to the fact that older borrowers tend to face the greatest struggles in repaying their loans: nearly 40 percent of federal borrowers over the age of 65 were in default on their student loans, according to \u003ca href=\"https://article.images.consumerreports.org/prod/content/dam/consumerist/2017/01/201701_cfpb_oa-student-loan-snapshot.pdf\" target=\"_blank\" rel=\"noopener\">a 2017 report from the Consumer Financial Protection Bureau\u003c/a>. “These are older folks who are on fixed incomes,” she says.\u003c/p>\n\u003cp>When borrowers fall behind, Bañez added, their credit scores can take a hit, making it harder to qualify for more credit and other loans for things like housing and other basic needs.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The Education Department said in its notice that, later this summer, it will begin the process of garnishing wages—meaning payments would be automatically deducted from borrowers’ paychecks.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg",
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},
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},
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"id": "californiareport",
"title": "The California Report",
"tagline": "California, day by day",
"info": "KQED’s statewide radio news program providing daily coverage of issues, trends and public policy decisions.",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-California-Report-Podcast-Tile-703x703-1.jpg",
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"officialWebsiteLink": "/californiareport",
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"source": "kqed",
"order": 8
},
"link": "/californiareport",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1MDAyODE4NTgz",
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},
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"id": "californiareportmagazine",
"title": "The California Report Magazine",
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"info": "Every week, The California Report Magazine takes you on a road trip for the ears: to visit the places and meet the people who make California unique. The in-depth storytelling podcast from the California Report.",
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"order": 10
},
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM3NjkwNjk1OTAz",
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},
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"info": "A one-hour radio program to hear celebrated writers, artists and thinkers address contemporary ideas and values, often discussing the creative process. Please note: tapes or transcripts are not available",
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"airtime": "SUN 1pm-2pm, TUE 10pm, WED 1am",
"meta": {
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"source": "City Arts & Lectures"
},
"link": "https://www.cityarts.net",
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"rss": "https://www.cityarts.net/feed/"
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},
"closealltabs": {
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"order": 1
},
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"title": "Code Switch / Life Kit",
"info": "\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />",
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"id": "commonwealth-club",
"title": "Commonwealth Club of California Podcast",
"info": "The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.",
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"source": "Commonwealth Club of California"
},
"link": "/radio/program/commonwealth-club",
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"google": "https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw",
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"title": "Forum",
"tagline": "The conversation starts here",
"info": "KQED’s live call-in program discussing local, state, national and international issues, as well as in-depth interviews.",
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"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED Forum with Mina Kim and Alexis Madrigal",
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"source": "kqed",
"order": 9
},
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},
"freakonomics-radio": {
"id": "freakonomics-radio",
"title": "Freakonomics Radio",
"info": "Freakonomics Radio is a one-hour award-winning podcast and public-radio project hosted by Stephen Dubner, with co-author Steve Levitt as a regular guest. It is produced in partnership with WNYC.",
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"officialWebsiteLink": "http://freakonomics.com/",
"airtime": "SUN 1am-2am, SAT 3pm-4pm",
"meta": {
"site": "radio",
"source": "WNYC"
},
"link": "/radio/program/freakonomics-radio",
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"apple": "https://itunes.apple.com/us/podcast/freakonomics-radio/id354668519",
"tuneIn": "https://tunein.com/podcasts/WNYC-Podcasts/Freakonomics-Radio-p272293/",
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},
"fresh-air": {
"id": "fresh-air",
"title": "Fresh Air",
"info": "Hosted by Terry Gross, \u003cem>Fresh Air from WHYY\u003c/em> is the Peabody Award-winning weekday magazine of contemporary arts and issues. One of public radio's most popular programs, Fresh Air features intimate conversations with today's biggest luminaries.",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory",
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"here-and-now": {
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"info": "A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. Hosted by Robin Young, Jeremy Hobson and Tonya Mosley.",
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},
"hidden-brain": {
"id": "hidden-brain",
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"info": "Shankar Vedantam uses science and storytelling to reveal the unconscious patterns that drive human behavior, shape our choices and direct our relationships.",
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"airtime": "SUN 7pm-8pm",
"meta": {
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"source": "NPR"
},
"link": "/radio/program/hidden-brain",
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"how-i-built-this": {
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"title": "How I Built This with Guy Raz",
"info": "Guy Raz dives into the stories behind some of the world's best known companies. How I Built This weaves a narrative journey about innovators, entrepreneurs and idealists—and the movements they built.",
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"airtime": "SUN 7:30pm-8pm",
"meta": {
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},
"link": "/radio/program/how-i-built-this",
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"apple": "https://itunes.apple.com/us/podcast/how-i-built-this-with-guy-raz/id1150510297?mt=2",
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},
"hyphenacion": {
"id": "hyphenacion",
"title": "Hyphenación",
"tagline": "Where conversation and cultura meet",
"info": "What kind of no sabo word is Hyphenación? For us, it’s about living within a hyphenation. Like being a third-gen Mexican-American from the Texas border now living that Bay Area Chicano life. Like Xorje! Each week we bring together a couple of hyphenated Latinos to talk all about personal life choices: family, careers, relationships, belonging … everything is on the table. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2025/03/Hyphenacion_FinalAssets_PodcastTile.png",
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"order": 15
},
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},
"jerrybrown": {
"id": "jerrybrown",
"title": "The Political Mind of Jerry Brown",
"tagline": "Lessons from a lifetime in politics",
"info": "The Political Mind of Jerry Brown brings listeners the wisdom of the former Governor, Mayor, and presidential candidate. Scott Shafer interviewed Brown for more than 40 hours, covering the former governor's life and half-century in the political game – and Brown has some lessons he'd like to share. ",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-Political-Mind-of-Jerry-Brown-Podcast-Tile-703x703-1.jpg",
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"order": 18
},
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}
},
"latino-usa": {
"id": "latino-usa",
"title": "Latino USA",
"airtime": "MON 1am-2am, SUN 6pm-7pm",
"info": "Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg",
"officialWebsiteLink": "http://latinousa.org/",
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"source": "npr"
},
"link": "/radio/program/latino-usa",
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"apple": "https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory",
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"rss": "https://feeds.npr.org/510016/podcast.xml"
}
},
"marketplace": {
"id": "marketplace",
"title": "Marketplace",
"info": "Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.",
"airtime": "MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.marketplace.org/",
"meta": {
"site": "news",
"source": "American Public Media"
},
"link": "/radio/program/marketplace",
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"rss": "https://feeds.publicradio.org/public_feeds/marketplace-pm/rss/rss"
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},
"masters-of-scale": {
"id": "masters-of-scale",
"title": "Masters of Scale",
"info": "Masters of Scale is an original podcast in which LinkedIn co-founder and Greylock Partner Reid Hoffman sets out to describe and prove theories that explain how great entrepreneurs take their companies from zero to a gazillion in ingenious fashion.",
"airtime": "Every other Wednesday June 12 through October 16 at 8pm (repeats Thursdays at 2am)",
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"officialWebsiteLink": "https://mastersofscale.com/",
"meta": {
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"source": "WaitWhat"
},
"link": "/radio/program/masters-of-scale",
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"rss": "https://rss.art19.com/masters-of-scale"
}
},
"mindshift": {
"id": "mindshift",
"title": "MindShift",
"tagline": "A podcast about the future of learning and how we raise our kids",
"info": "The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg",
"imageAlt": "KQED MindShift: How We Will Learn",
"officialWebsiteLink": "/mindshift/",
"meta": {
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"source": "kqed",
"order": 12
},
"link": "/podcasts/mindshift",
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5",
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}
},
"morning-edition": {
"id": "morning-edition",
"title": "Morning Edition",
"info": "\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.",
"airtime": "MON-FRI 3am-9am",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Morning-Edition-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.npr.org/programs/morning-edition/",
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"link": "/radio/program/morning-edition"
},
"onourwatch": {
"id": "onourwatch",
"title": "On Our Watch",
"tagline": "Deeply-reported investigative journalism",
"info": "For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/On-Our-Watch-Podcast-Tile-703x703-1.jpg",
"imageAlt": "On Our Watch from NPR and KQED",
"officialWebsiteLink": "/podcasts/onourwatch",
"meta": {
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"source": "kqed",
"order": 11
},
"link": "/podcasts/onourwatch",
"subscribe": {
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"google": "https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw",
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