Student loans are in limbo, and borrowers working toward PSLF or facing possible wage garnishment have plenty of questions. With midterm elections approaching and key deadlines coming up, the Department of Education is racing to push through changes before new congressional oversight takes effect.

Find out which last-minute moves to watch for, why PSLF delays and buyback problems could get worse and what borrowers should know about payments, forbearance, and repayment plans right now.

Key moments:

(00:00) Department of Ed may slow-walk loan discharges as a bargaining chip

(03:00) Tax refund seizures and wage garnishment may restart soon

(03:50) PSLF processing delays and buyback rules are changing

(05:30) General forbearance gets much stricter starting mid-2027

(06:57) Interest subsidies under REPAYE: How to check and what to do

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