Student loan payments haven’t stopped during the shutdown: Here’s what borrowers can and can’t do

Despite the ongoing US government shutdown, federal student loan payments continue, and most borrower services remain available through third-party servicers. However, forgiveness applications, though accepted, will not be processed until the Department of Education resumes full operations. Legal actions related to student debt are also paused. Experts confirm that repayment options and customer service are still functioning, but delays in forgiveness could lead to future tax implications for some borrowers if processed after 2025.

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