Income-Based Repayment has turned into a maze for a lot of borrowers, from unexpected forbearances to confusing "partial financial hardship" determinations that don't add up. Learn why so many borrowers are stuck in SAVE forbearance, what's really going on with IBR denials, and what the Department of Education says it's going to fix by early 2026.

We'll also talk about new proposed borrowing limits, how they could reshape entire professions, and what that might mean for your salary, PSLF strategy, and long-term plan.

Key moments:

(02:17) What "partial financial hardship" actually means — and when it shouldn't block IBR

(05:29) The out-of-cycle rulemaking session and why 2026 could bring sweeping IDR changes

(06:36) Why proposed borrowing caps could upend grad and professional programs

(11:31) The ripple effects on earnings, PSLF planning, and long-term loan strategy

(14:02) What might trigger Congress to rewrite the rules again before 2028

Resource mentioned:

• Apply for or recertify income-driven repayment

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