Income-Driven Repayment (IDR) Forgiveness
Borrowers using IBR keep their 20–25 year forgiveness timelines
Prior payments under other IDR plans can count toward IBR forgiveness
Public Service Loan Forgiveness (PSLF)
PSLF remains intact
RAP is now a qualifying repayment plan for PSLF
Separate rulemaking may impact future PSLF eligibility based on employer activity
Closed School / Borrower Defense Discharge
Regulations easing access to discharge programs are delayed 10 years
Although not repealed, the delay significantly limits relief options