{"id":24385,"date":"2026-04-24T23:15:30","date_gmt":"2026-04-24T23:15:30","guid":{"rendered":"https:\/\/incredipros.com\/?p=24385"},"modified":"2026-04-24T23:15:31","modified_gmt":"2026-04-24T23:15:31","slug":"student-loan-relief-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24385","title":{"rendered":"Student Loan Relief: What You Need to Know"},"content":{"rendered":"<div>\n<p style=\"text-align: center;\"><strong><em>Update as of June 2023:<\/em><\/strong><em> <\/em><em>Federal student loan payments will resume October 2023\u2014with interest starting back September 1, 2023.<\/em>\n    <\/p>\n<p>Unless you\u2019ve got a crystal ball, you probably never would have guessed how crazy things would get over the past few years. It\u2019s been a whirlwind of change for sure! And for people who have been severely impacted by the COVID-19 pandemic and inflation, \u201cwhirlwind\u201d is the understatement of the century.\u00a0\n    <\/p>\n<p>One of the ways the federal government has been trying to calm the lasting storm is through financial relief programs. And if you\u2019re one of the 43 million people with federal student loans out there, you might have gotten some temporary relief on your student loan payments through the CARES Act that was passed in March 2020.<sup>1<\/sup>\n    <\/p>\n<p>Since then, there have been several student loan relief extensions.\u00a0<strong class=\"speakable\">Most recently, the president made an executive order to extend the emergency student loan forbearance yet again through no later than June 30, 2023\u2014or until the legality around his student loan forgiveness plan is settled.<sup>2<\/sup><\/strong>\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>Pay off debt fast and save more money with <em>Financial Peace University<\/em>.<\/p>\n<\/p><\/div>\n<p>We\u2019ll get into the details of the most recent extension in a minute. But first, here\u2019s a quick refresher of how this whole payment pause came to be.\n    <\/p>\n<h2>What Is the CARES Act?<\/h2>\n<p>Let\u2019s flash back to March 2020 for a minute (don\u2019t worry, we won\u2019t stay here long\u2014it\u2019s just to get some context). COVID-19 was just beginning to pick up steam in the United States and cases were rising across the country. In just a matter of weeks, millions of people suddenly found themselves jobless as businesses buckled. In order to help Americans and stimulate the economy, Congress passed the $2.2 trillion Coronavirus Aid, Relief, and Economic Security Act (aka the\u00a0CARES Act).\n    <\/p>\n<p>The CARES Act\u00a0wasn\u2019t perfect, but it attempted to help Americans with federally owned student loans by offering:\n    <\/p>\n<ul>\n<li>Temporary payment suspension<\/li>\n<li>A 0% interest rate<\/li>\n<li>A pause on all collections and wage garnishments on defaulted loans<\/li>\n<\/ul>\n<p>Just to be clear, the CARES Act is separate from\u00a0President Biden\u2019s recent student loan forgiveness plan (though the two have become more tangled than a pair of earphones in your pocket, as we\u2019ll talk about in a minute). The CARES Act itself doesn\u2019t forgive student loans\u2014it only offers temporary relief from student loan payments and interest.\n    <\/p>\n<p>The CARES Act was set to expire on\u00a0September 30, 2020. But as the pandemic continued and the economy had more ups and downs than a Ferris wheel, the CARES Act has been extended multiple\u00a0times since then. Let\u2019s take a look at the latest student loan relief extension and what it means for you.\n    <\/p>\n<h2>The Latest Student Loan Relief Extension<\/h2>\n<p>Up until now, the student loan relief extensions were mostly based on how the economy was doing (i.e., not great). But this latest student loan payment pause extension (announced in November 2022) is for a whole other reason.\n    <\/p>\n<p>President Biden was all set to have federal student loan payments start back up in January 2023, but he was also counting on his student loan forgiveness plan to have gone through by then\u2014which hasn\u2019t happened yet.\n    <\/p>\n<p>In fact, there\u2019s been several legal challenges to Biden\u2019s plan, and court orders have temporarily blocked the forgiveness until further notice. With so many borrowers waiting to find out if they\u2019ll even have student loans to pay off in 2023, Biden made the call to extend the payment pause until things are sorted out. That could either mean the forgiveness is approved or it\u2019s shot down completely. Either way, once a decision is made, federal student loan payments will resume 60 days after that.\n    <\/p>\n<p>When will we get an answer? No one really knows. But if there\u2019s no decision by June 30, 2023, federal student loan payments will resume 60 days after\u2014so, around September 2023.<sup>3<\/sup>\n    <\/p>\n<h2>What the Student Loan Payment Relief Extension Means for Your Student Loans<\/h2>\n<p>We know the most recent extension is a little confusing, and there\u2019s a lot riding on what happens with Biden\u2019s student loan debt relief plan. Repayment of all federally owned student loans is still on pause, and the interest rate will remain at 0%.\n    <\/p>\n<p>This includes Direct Stafford Loans,\u00a0Direct PLUS Loans\u00a0for parents and graduate students, and Direct Consolidation Loans. It also covers Federal Perkins Loans and Federal Family Education Loan (FFEL) Program loans if they aren\u2019t commercially owned.\n    <\/p>\n<p>Like the original piece of the CARES Act, all borrowers with federally owned student loans are automatically included in the extension. That means you don\u2019t have to sign up or do anything to keep having your payments or interest waived. In fact, if you want to\u00a0<em>keep<\/em>\u00a0making payments (which you should if you can), you\u2019ll need to call your loan servicer or go online to manually make a payment.\n    <\/p>\n<p>Navigating student loan repayment can be a total maze even in less insane times, but right now, it\u2019s more confusing than ever. So, let\u2019s take a look at how the student loan payment relief extension plays out in certain circumstances\u2014as well as some other changes that have been made along the way.\n    <\/p>\n<\/p><\/div>\n<div>\n<h3>Loans That Are in Default<\/h3>\n<p>If you were in default on your student loans before the pandemic\u2014meaning you were behind on payments\u2014there may be some good news for you.\n    <\/p>\n<p><strong class=\"speakable\">President Biden announced a \u201cfresh start\u201d initiative in April 2022 that gives borrowers in default or delinquency on their federal student loans a chance to start the repayment process back in good standing.<sup>4<\/sup><\/strong><strong>\u00a0<\/strong>It\u2019s still not clear what steps people will need to take to actually make this happen, so\u00a0stay tuned for more news from the Department of Education.\n    <\/p>\n<p>But here\u2019s the deal: If your student loans were in default before, you\u2019ll probably have trouble paying them again when student loan relief ends.\n    <\/p>\n<p>That means now\u2019s your chance to get on top of your student loans! With payments on pause, no interest, and no wage garnishments or collections on federally owned student loans right now, it\u2019s the\u00a0<em>perfect<\/em>\u00a0time to make progress.\n    <\/p>\n<p>But maybe COVID-19 has meant your hard times have gotten harder. The student loan relief extension might be giving you just enough breathing room to keep paying your rent or keep food on the table. If this is your situation, it\u2019s important to get in touch with your loan servicer\u00a0<em>as soon as possible<\/em>\u00a0to discuss a plan for what your payments will look like when the pause ends\u2014because it\u00a0<em>will\u00a0<\/em>end.\n    <\/p>\n<p>And speaking of plans, if you\u2019ve been putting off making (and sticking to) a budget, there\u2019s no time like the present. If there\u2019s one thing that can take some of the sting out of a stressful time, it\u2019s having a plan for your money. We\u2019ve got a\u00a0great free tool\u00a0to help you get started.\n    <\/p>\n<h3>Public Service Loan Forgiveness<\/h3>\n<p>Right now, paused payments still count toward the Public Service Loan Forgiveness (PSLF) program, as long as you\u2019re still working full time for an eligible employer and meet all the other requirements.<sup>5<\/sup>\n    <\/p>\n<p>Real talk: The PSLF program has more hoops and hurdles than a horse show. But if you\u2019re still trying to qualify, check in with your loan servicer to make sure you\u2019re still checking all the right boxes the program requires. Just don\u2019t bank on this as the answer to your problems. Because with less than 2% of people actually getting approved for PSLF, you do\u00a0<em>not<\/em>\u00a0want to put all your eggs in the student loan forgiveness basket.<sup>6<\/sup>\n    <\/p>\n<p>And if you\u2019re in a position to keep paying on your student loans, do it. Take advantage of 0% interest and attack your principal. Show it no mercy! The sooner you\u2019re out of debt, the sooner your money belongs to you.\n    <\/p>\n<h3>Private Student Loans<\/h3>\n<p>If you have\u00a0private student loans, you\u2019re probably well aware by now that the CARES Act did\u00a0<em>not<\/em>\u00a0include any relief for private student loan borrowers. And sorry\u2014this new extension doesn\u2019t either.\n    <\/p>\n<p>It\u2019s highly unlikely that any bank or private lender is going to proactively do anything to help you with your loans\u2014after all, they\u2019re in the business to make money. But if your finances have taken a major hit during this time, you\u2019re going to have to pick up the phone, call your loan servicer, and ask if they\u2019ll pause your payments for a period of time or reduce your payment amount. It may not happen, but it\u2019s worth a shot.\n    <\/p>\n<p>But just like with federal student loans, if you\u2019re in a position to keep paying on your private loans, then keep at it. You can also look into refinancing your private student loans to get a better interest rate. And even if you have to scale back\u00a0<em>temporarily<\/em>, don\u2019t lose steam at crushing your debt. You deserve to get those student loans out of your life!\n    <\/p>\n<h3>Commercially Held Federal Student Loans<\/h3>\n<p>The new student loan payment relief extension only applies to federally owned student loans. That means no commercially owned FFEL Program loans or Perkins loans are eligible. (If you have a\u00a0<em>federally owned<\/em>\u00a0FFEL or Perkins loan, then you\u2019re good.)\n    <\/p>\n<h2>What to Do With Your Student Loans<\/h2>\n<p>Money stress is terrible. It creeps into every second of every day, robbing you of your peace of mind. This global pandemic may have really pulled the rug out from under you in a big way. Or maybe you\u2019d just rather not think about your debt if you don\u2019t have to right now. Hey, we totally get it.\n    <\/p>\n<p>But that doesn\u2019t mean you should bury your head in the sand and wait for your student loans to magically disappear. In fact, the more you lean into a plan of action that includes making and sticking to a budget, the more control you\u2019re going to get back. Trust us, your intentionality will be a lifesaver.\n    <\/p>\n<p>So, no matter how the pandemic has affected your finances, you can still work toward your goal to knock out your student loan debt for good. The timeline might look a little different than you expected, but stay the course. You\u2019ve got this!\n    <\/p>\n<p>Here\u2019s what to do right now about your student loans, depending on your situation.\n    <\/p>\n<h3>If Your Income Is Stable<\/h3>\n<p>If your income is stable, you\u2019ve got a couple of really good options available to you. The first is to keep on keepin\u2019 on\u2014that is, keep paying your student loan payments each month. That may sound crazy, but hear us out: With 0% interest on federally owned student loans, your entire payment goes directly toward your principal. Heck yes! You\u2019re paying those bad boys down faster than ever. And you\u2019ll pay\u00a0<em>way less<\/em>\u00a0interest in the long run!\n    <\/p>\n<p>Your second option (if you\u2019ve got other debts besides student loans) is to use student loan relief to throw even more money at your other debts. With the\u00a0debt snowball method, you pay your debts down from smallest to largest. But while student loan payments are paused, you can choose to take your monthly student loan payment and use it to knock out your other smaller debts faster.\n    <\/p>\n<p>But here\u2019s the deal: If you go with the second option, you\u00a0<em>must\u00a0<\/em>keep a debt-attacking mindset. Yes, your student loans are paused for several more months, but they aren\u2019t gone! Take advantage of this time to wipe out your smaller debts and then immediately return to paying off your student loans.\n    <\/p>\n<p>And don\u2019t forget: Because your student loan payments have been automatically paused, you\u2019ve got to be proactive about making a payment each month. Sure, it\u2019s a little bit of a hassle, but you\u2019ll be so glad you didn\u2019t let up once student loan relief ends and everyone else is feeling the pain of payments again.\n    <\/p>\n<h3>If Your Income Is at Risk<\/h3>\n<p>So, what if things aren\u2019t so stable right now? Maybe you lost your job, maybe you\u2019ve got an immediate family member with a serious illness, or maybe you\u2019ve got a baby on the way\u2014whatever the case may be, don\u2019t let financial uncertainty derail you. If you\u2019ve lost some or all of your income or you know your expenses are going to change in a big way, your job is to stockpile money.\n    <\/p>\n<p>Your priority right now is making sure your\u00a0Four Walls\u2014food, utilities, shelter and transportation\u2014are taken care of. And if you don\u2019t have an emergency fund of $1,000, get that\u00a0<em>as fast as you can<\/em>.\n    <\/p>\n<p>If you can keep paying your minimum payments on your debts, do it. Right now, your minimum federal student loan payment is technically zero\u2014and there\u2019s no penalty if you don\u2019t pay. So, while it\u2019s best to keep paying on your student loans if you can, if you\u2019re really in a pinch and worried about covering the basic necessities, hit pause on your federal student loan payments and save that money to get through this season.\n    <\/p>\n<p>And if you have private student loans, call your loan servicer ASAP and explain your situation. Ask if they\u2019ll pause your payments or work with you on a reduced payment plan. You might also want to\u00a0get connected with a financial coach\u00a0who can walk you through your specific situation and give you a plan to get back on your feet.\n    <\/p>\n<p>But remember, this isn\u2019t a forever situation. Stay calm and stick to the plan. As soon as your income goes back up, resume attack mode on that debt.\n    <\/p>\n<h2>Should You Consolidate Your Student Loans?<\/h2>\n<p>Got more than one federal student loan?\u00a0Consolidating your student loans could help you pay them off faster. But it\u2019s not the right choice for everyone.\n    <\/p>\n<p>If you\u2019ve got multiple loans, especially ones with variable interest rates, consolidating them can help by giving you only one payment and a fixed rate to keep up with. But you might make more progress plowing through each individual loan one at a time, rather than trying to chip away at one massive loan. It\u2019s less about the math and more about the momentum.\n    <\/p>\n<p>Even if you choose to consolidate your loans, don\u2019t let off the gas! You should still aim to pay more than your minimum monthly payment to knock out your student loans as fast as you can.\n    <\/p>\n<h2>Should You Refinance Your Student Loans?<\/h2>\n<p>While the CARES Act and the student loan payment relief extension can help you catch your breath\u2014and maybe even get ahead\u2014on your federal student loans, what about your\u00a0<em>private<\/em>\u00a0student loans? Well, one thing you can do to help you gain traction is to\u00a0refinance your student loans.\n    <\/p>\n<p>But refinancing isn\u2019t for everyone. You should only refinance your student loans if:\n    <\/p>\n<ul>\n<li>It won\u2019t cost you anything to refinance them<\/li>\n<li>You can get a fixed interest rate instead of a variable rate<\/li>\n<li>Your new net interest rate is\u00a0<em>lower<\/em>\u00a0than your current net interest rate<\/li>\n<li>You\u00a0<em>don\u2019t<\/em>\u00a0sign up for a longer repayment period<\/li>\n<li>You\u00a0<em>don\u2019t<\/em>\u00a0get so relieved by the thought of a single payment that you lose your motivation to pay off your debt fast<\/li>\n<\/ul>\n<p>And you may hear that you can combine your federal and private student loans by refinancing them together, but don\u2019t do it! If you do, you won\u2019t qualify for any student loan forgiveness under Biden\u2019s plan or any existing forgiveness program.\n    <\/p>\n<p>Bottom line: Refinancing isn\u2019t the only solution, but it can be the push you need to kick your debt payoff into high gear.\u00a0\n    <\/p>\n<h2>How to Get Rid of Your Student Loan Debt<\/h2>\n<p>Yeah, the student loan payment pause may be a nice relief. But an extension is not an excuse to completely abandon your plans to be debt-free. Don\u2019t wait until the new year rolls around to come up with a payoff strategy. Do it\u00a0<em>now<\/em>. As in\u00a0<em>today<\/em>.\n    <\/p>\n<p>You may get some relief from Biden\u2019s new forgiveness plan (if it ever does happen). But relying on the government to figure out a solution for the rest of your student loans is a recipe for disappointment. Instead, you can take control of your money and your future.\n    <\/p>\n<p>If you\u2019re financially able to continue attacking your student loan debt, then don\u2019t slow down now. You\u2019ve got some great opportunities to make the extension work even harder for you. But if you\u2019re just getting started or you\u2019ve been forced to slow down your debt snowball, it\u2019s time to get focused.\n    <\/p>\n<p>Start with a budget.\u00a0Telling your money where to go\u00a0<em>in advance<\/em>\u00a0gives you the power to cover the basics and make your student loan payments\u2014instead of just hoping you\u2019ll have enough. Plus, you can adjust your budget to throw even more at your loans so you can get them out of your life faster!\n    <\/p>\n<p>Go ahead and\u00a0start budgeting\u00a0for your student loan payments today!\n    <\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/debt\/student-loan-relief\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Update as of June 2023: Federal student loan payments will resume October 2023\u2014with interest starting back September 1, 2023. Unless you\u2019ve got a crystal ball, you probably never would have guessed how crazy things would get over the past few years. It\u2019s been a whirlwind of change for sure! And for people who have been<\/p>\n","protected":false},"author":1,"featured_media":24386,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24385","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Student Loan Relief: What You Need to Know | IncrediPros<\/title>\n<meta name=\"description\" content=\"Update as of June 2023: Federal student loan payments will resume October 2023\u2014with interest starting back September 1, 2023. 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