Borrowers applying for income-driven repayment (IDR) plans may have to wait. The U.S. Department of Education has temporarily shut down applications for new IDR enrollments and adjustments until at least May 2025, citing ongoing updates to the system.
Important: This means new applications and adjustments will not be processed until further notice. Borrowers seeking IDR, forgiveness or lower payments are in limbo.
If you're currently on an IDR plan, your existing enrollment may remain active. However, new applications and adjustments will not be processed until the system reopens.
What This Means for Borrowers
For borrowers planning to enroll in IDR for the first time, this pause could mean higher payments in the short term while waiting for access to lower monthly bills. Those seeking IDR forgiveness will also face delays.
- 📞 Contact your loan servicer immediately to explore options.
- 🔍 Check if you qualify for a deferment or forbearance.
- 💬 Stay updated as the Department of Education works to restore the system.
Are There Any Alternatives?
"If you were counting on an IDR plan, don’t wait—check in with your servicer and see what short-term relief options are available."
Right now, borrowers have limited options until IDR applications are restored. However, you can:
- 💰 Continue making payments under your existing plan.
- 📞 Call your servicer to ask about deferment or hardship forbearance.
- 📢 Stay informed—updates will come as the system reopens.
Final Thoughts
For now, borrowers should be proactive. If you were planning to apply for IDR, check in with your loan servicer and explore short-term options. As the situation develops, The Dispute Coach will be here to help you navigate your credit and student loan concerns.
Need help addressing student loan credit issues? The Dispute Coach is here to guide you.