IBR Student Loan Forgiveness Halted: What Borrowers Need to Know Now 🏦

IBR student loan forgiveness is on hold, and retirees and long-time borrowers are left wondering what happens next. If you’ve spent decades making payments, this pause feels like yet another gut punch.

In this video, I break down exactly what’s happened since the Department of Education froze IBR discharges, and I answer the biggest borrower questions we’ve received.

We’ll cover why refunds are rare, the risks of consolidating right now, how to check your real payment count, when forbearance might make sense, and why ED is linking IBR to the SAVE injunction at all.

You’ll get a clear picture of where things stand — and what, if anything, you can do while we wait for forgiveness processing to resume.

CONNECT WITH STANLEY
Website: https://tateesq.com
LinkedIn: https://www.linkedin.com/in/stanleytate
Book a Call: https://link.tateesq.com/book-a-call-IBR-Forgiveness-Pause-yt

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

RESOURCES
Check Your IDR Payment Count: https://studentaid.gov/app/api/nslds/payment-counter/summary
How the Big Beautiful Bill Impacts PSLF (and Why Negotiated Rulemaking is the Real Concern) - https://www.tateesq.com/learn/beautiful-bill-pslf-changes
SAVE, PAYE, ICR Are Dead: What’s Left for Borrowers? - https://www.youtube.com/watch?v=L2shOi14jnk&t=860s

TIMESTAMPS
01:00:24:23 Quick Recap IBR Forgiveness Pause
01:01:29:09 Will I get a refund for overpayments?
01:03:00:09 Should I worry about interest capitalization and losing credit if I consolidate?
01:04:52:08 Can I trust my IDR payment count?
01:06:46:01 Should I use forbearance now?
01:08:40:12 Why is ED tying IBR to SAVE?
01:10:12:01 Bottom Line