Millions of Americans burdened with federal student loans are now grappling with surging monthly payments after the Trump administration dismantled key repayment options. Programs designed to ease financial strain—such as income-driven repayment plans and public service loan forgiveness—have been restricted or eliminated, leaving many in crisis.
Public sector employees like teachers, healthcare professionals, and social workers, who previously relied on these plans, are now scrambling to adjust. Some, like Jordan, a California educator with $200,000 in loans, face payments doubling overnight. Others, such as Aaron, an Ohio pharmacist, anticipated these changes and sought additional employment to stay afloat.
For families already struggling with rising living costs, the policy shift is devastating. Reina Chilton-Mayer, a full-time caregiver, and her husband, who holds a master’s degree, are contemplating loan default as their financial options shrink. Meanwhile, Ebrahim Ghazali, a pediatrician nearing loan forgiveness, is stuck in limbo, unable to make payments due to website failures.
Experts warn that stripping away these repayment protections will worsen economic disparities, forcing borrowers to choose between financial stability and debt obligations. Critics argue the administration is prioritizing political moves over practical solutions, leaving millions without a path forward.
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With uncertainty mounting, those affected are left wondering: what comes next?
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