IBR Problems and How to Fix Them
Income-Based Repayment has turned into a maze for a lot of borrowers, from unexpected forbearances to confusing “partial financial hardship” determinations that don’t add up. Learn why so many borrowers are stuck in SAVE forbearance, what’s really going on with IBR denials, and what the Department of Education says it’s going to fix by early 2026. We’ll also talk about new proposed borrowing limits, how they could reshape entire professions, and what that might mean for your salary, PSLF strategy, and long-term plan.
Key moments:
00:00 Introduction
02:17 What “partial financial hardship” actually means — and when it shouldn’t block IBR
05:29 The out-of-cycle rulemaking session and why 2026 could bring sweeping IDR changes
06:36 Why proposed borrowing caps could upend grad and professional programs
11:31 The ripple effects on earnings, PSLF planning, and long-term loan strategy
14:02 What might trigger Congress to rewrite the rules again before 2028
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