Major student-loan repayment changes are one step closer for parents, grad students, and millions more borrowers By Ayelet Sheffey ...

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Starting July 1, 2026, student loan borrowers will face a dramatically simplified repayment system—limited to just two options—under a proposed bill currently under debate in Congress.

The Senate has released its version of President Trump’s “big, beautiful bill.” Here’s how it differs from the House version for student loan borrowers.

A longer repayment plan could mean more affordable monthly payments, but you'd be in debt longer and pay more interest overall. Consider this example of a $40,000 loan with a 6.53% interest rate.

Income-driven repayment plans change with a borrower's salary over time, which means they don't have a defined number of years in which the loan must be paid off. Under current law, those under ...