🎬 Act I: The Great American Debt Soap Opera

It’s 2025, and your student loans are still hanging around like that one friend who never pays for brunch. You thought they’d be gone by now—like Blockbuster, or your optimism—but nope. They’re back, they’re recalculated, and they’ve got new rules.

President Biden’s original forgiveness plan was struck down by the Supreme Court, but the administration pivoted to new strategies like the SAVE plan and targeted relief through the Higher Education Act. The drama continues.

📜 Act II: What’s Actually Happening in 2025?

• The SAVE Plan: Replaces REPAYE. Caps payments at 5% of discretionary income for undergrad loans. Interest won’t grow if you’re making payments—even tiny ones.
• PSLF: Public Service Loan Forgiveness still exists. 120 qualifying payments and a government job could get you debt-free. Paperwork still feels like applying for Hogwarts.
• Loan Servicers: MOHELA, Aidvantage, Nelnet, and EdFinancial are still in the mix. Check your account on

• Check Your Loan Status: Go to https://studentaid.govStudentAid.gov. It’s like checking your credit score, but with more emotional damage.
• Enroll in SAVE: If you’re broke, this is your best bet. Payments could be as low as $0/month.
• Apply for PSLF: Even if you’re not sure, apply. Worst case, they say no. Best case, you get forgiveness and a reason to celebrate with boxed wine.
• Don’t Ignore Your Servicer: They’re annoying, yes. But ignoring them is like ignoring a smoke alarm—it won’t end well.

🧨 Act V: The Political Plot Twist

The Biden administration is still pushing for forgiveness through the Higher Education Act. Legal challenges are expected, because in America, nothing says “freedom” like suing over who gets to forgive your debt.

Meanwhile, Congress is debating whether to cap forgiveness, expand it, or just yell at each other until the next election.

🎤 Final Thoughts: The Debt Never Dies, But You Can Outsmart It

Student loans in 2025 are like your ex’s Instagram stories—confusing, emotionally draining, and constantly changing. But with the SAVE plan, PSLF, and a little bit of strategy, you can navigate this mess without selling a kidney.

So where are your student loans now? They’re in a bureaucratic limbo, waiting for you to either pay them off, get them forgiven, or write a viral TikTok song about them.

And hey, if all else fails, just remember: you may be broke, but you’re educated. That’s worth something, right?