Student Loan News Update for November 2025 📚

The Department of Education has been busy — and not always in good ways. In this video, Attorney Adam Minsky breaks down what’s actually happening with income-driven repayment (IDR) forgiveness, PSLF changes, and the new repayment options coming in 2026. If you’ve been waiting for updates about forgiveness approvals, PSLF buyback delays, or what the new “Repayment Assistance Plan” (RAP) means for you — this one’s for you. Here’s what we cover: 1/ What’s changed for IDR forgiveness after the AFT settlement 2/ Why PSLF employers could soon lose eligibility — and who’s fighting back 3/ The growing PSLF Buyback backlog (and what you can do while waiting) 4/ The new repayment plan (RAP) and which borrowers will lose access to IBR, PAYE, and SAVE 5/ What Parent PLUS borrowers need to do before July 1, 2026 6/ The latest on joint consolidation borrowers and school-based discharges 7/ How furloughed federal workers can pause or reduce payments during the shutdown CONNECT WITH STANLEY Website: https://tateesq.com LinkedIn: / stanleytate Book a Call: https://www.tateesq.com/book-a-call CONNECT WITH ADAM Website: https://bostonstudentloanlawyer.com/ LinkedIn: / adam-minsky-student-loan-lawyer X (Twitter): https://x.com/adamsminsky?lang=en TEAM Founder + Host: Stanley Tate Guest: Atty. Adam Minski Editor: Patrick Kevin Angeles Thumbnail Artist: Keanu Rafil TIMESTAMPS 0:00 November loan updates with Adam Minsky 0:45 IDR forgiveness resumes after AFT settlement 2:40 What “tax-free through 2025” really means 4:00 Shutdown delays and when forgiveness restarts 5:20 PSLF rule change — who’s affected 6:45 Lawsuits filed to block the new PSLF rule 9:15 The “chilling effect” on public service workers 12:20 Should you panic or stay put? Protecting PSLF credit 14:45 PSLF Buyback backlog — why approvals stalled 18:10 New repayment plan coming from the RISE Committee 19:30 IBR, PAYE, and SAVE are getting phased out 21:20 Parent PLUS borrowers — the 2026 deadline to know 23:15 Joint spousal consolidation borrowers still in limbo 25:45 Borrower defense & school discharge delays 28:30 Total and permanent disability discharge issues return 29:35 Shutdown impact on federal employees 30:50 Final thoughts — how to stay proactive