Student loan borrowers’ options are dwindling and time is not on their side as the Trump administration turns up the heat to get all borrowers back in repayment.

The recently passed “big, beautiful bill" will take the bevy of choices away from borrowers by 2028, leaving only two options for repayment.

Those on the Biden administration’s Saving on Valuable Education (SAVE) plan who have been in forbearance have even less time, with interest accrual restarting next month.

Student loan advocates are encouraging borrowers to reach out for help in understanding their options as they fear many will not be able to afford their monthly repayment plans with the plans left for them.

"It feels like a flood-the-zone type situation where confusion is part of the intent,” said Natalia Abrams, president of the Student Debt Crisis Center (SDCC), adding, “the hits just keep coming.”

The slate of changes rolled out, she said, "feels reckless in terms of treatment towards student loan borrowers and for Americans at large."

After years of pauses, on-ramps and forbearances from the start of the pandemic in President Trump's first term through the Biden administration, the White House is now requiring all borrowers to begin repaying their........

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