IBR Loan Forgiveness Begins in 2025: What Borrowers Need to Know ✨

IBR loan forgiveness is finally happening. After 20 or 25 years of payments, borrowers are starting to receive emails from the Department of Education confirming that their loans are being discharged.

For months, there was doubt. The IDR tracker disappeared from studentaid.gov, no new discharges were reported, and many feared forgiveness would be rolled back. But the new wave of emails shows that the promise of IBR forgiveness is being honored — and relief is on the way.
In this video, I break down:

- What IBR loan forgiveness is and who qualifies
- Why you must be in IBR (even if you were in SAVE, PAYE, or ICR before)
- How the One Big Beautiful Bill changed eligibility rules
- What the Department of Education’s email says about timelines and processing
- What “some or all” means when it comes to your loans
- State tax considerations you should keep in mind
- How to protect yourself from scams and make sure you don’t miss official updates

If you’ve been waiting for forgiveness, this is the moment to confirm you’re in IBR, check your eligibility, and keep an eye on your inbox.

CONNECT WITH STANLEY
Website: https://tateesq.com
LinkedIn: https://www.linkedin.com/in/stanleytate
Book a Call: https://link.tateesq.com/ibr-loan-forgiveness-2025-yt

TEAM
Founder + Host: Stanley Tate
Editor: Patrick Kevin Angeles
Thumbnail Artist: Keanu Rafil

RESOURCES
Federal Student Aid (official site): https://studentaid.gov
Check Your IDR / IBR Payment Count: https://studentaid.gov/app/api/nslds/payment-counter/summary
Big Beautiful Bill Student Loan Changes 2025 What Borrowers Need to Know: https://www.tateesq.com/learn/new-student-loan-bill-repayment-options
How the Big Beautiful Bill Impacts PSLF (and Why Negotiated Rulemaking is the Real Concern): https://www.tateesq.com/learn/beautiful-bill-pslf-changes

TIMESTAMPS
0:00 What is IBR loan forgiveness
0:57 Why borrowers worried forgiveness would be rolled back
1:47 Income-driven repayment (IDR) plans explained
2:51 The catch: you must be in IBR to qualify
4:47 Who should switch into IBR today
5:39 Breaking down the Department of Education email
7:11 What “some or all” forgiveness really means
8:04 Timeline for forgiveness processing
9:44 State tax considerations and opt-out
12:47 Avoiding scams and fake forgiveness offers
16:14 Recap: steps to qualify for IBR forgiveness