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<ul class="summary-list"><li>President-elect Donald Trump is unlikely to continue Biden's student-debt relief efforts.</li><li>Trump has opposed broad student-debt relief and did not prioritize targeted relief during his first term.</li></ul><a target="_blank" class="" href="https://www.businessinsider.com/student-loan-forgiveness-will-election-impact-debt-relief-harris-trump-2024-10">Student-loan relief is now a lot more uncertain</a> for millions of federal borrowers. Two efforts, in particular, are in the hot seat.President Joe Biden's SAVE income-driven repayment plan, intended to give borrowers cheaper monthly payments and a shorter timeline for relief, <a target="_blank" class="" href="https://www.businessinsider.com/save-plan-blocked-student-loan-borrowers-cheaper-payments-debt-cancellation-2024-7">has been blocked in court</a> since July following a lawsuit by GOP-led states.In addition, the president's broader student-loan forgiveness plan, intended to <a target="_blank" class="" href="https://www.businessinsider.com/biden-announces-new-student-loan-forgiveness-plan-who-qualifies-relief-2024-4">benefit over 30 million borrowers</a>, is also blocked in court pending a final decision.Under Biden, the Education Department <a target="_blank" class="" href="https://www.businessinsider.com/student-loan-forgiveness-pslf-borrowers-getting-debt-cancellation-biden-relief-2024-7">canceled billions of dollars in student loans</a> for nearly 5 million borrowers. Though he hasn't been able to pass broad forgiveness, the relief was a result of targeted actions for borrowers on programs including Public Service Loan Forgiveness and income-driven repayment plans.President-elect Donald Trump is unlikely to continue both Biden's targeted debt relief efforts and the broader student-loan forgiveness initiatives that are blocked in court."He's throwing money out the window," Trump <a target="_blank" class="" href="https://www.businessinsider.com/trump-student-loan-forgiveness-illegal-no-debt-relief-election-biden-2024-6">previously said of Biden's debt relief efforts</a>, also calling broad relief "vile" and illegal.When Business Insider asked Trump's campaign if the president-elect would oppose student-loan forgiveness, Karoline Leavitt, the Trump-Vance transition spokeswoman, said in a statement: "The American people re-elected President Trump by a resounding margin giving him a mandate to implement the promises he made on the campaign trail. He will deliver."The campaign did not elaborate on what Trump would do for student-loan borrowers. However, Americans can look back at Trump's first term in the White House to gauge the actions he might take on student debt. His Education Department ran up a backlog in processing applications for PSLF and borrower defense to repayment applications, which allow relief for those who were defrauded by the schools they attended.Trump has also suggested getting rid of the Education Department altogether. Some advocates have vowed to fight for borrower protections under Trump's second term — Mike Pierce, executive director of the advocacy group Student Borrower Protection Center, said in a statement after Trump won the election that Trump's policies left "millions drowning in student debt.""The threat posed by these plans is real and will imperil the financial stability of millions of working families," Pierce said. "Making the basics of American life more expensive remains bad policy and bad politics."Republican lawmakers in Congress also oppose student-loan forgiveness. If they secure the majority in both the House and Senate, legislation to rescind Biden's debt relief efforts has a chance of being signed into law. For now, millions of borrowers remain on forbearance as they wait for the courts to decide what will come of Biden's broader debt relief efforts, leaving their timeline for repayment in limbo.How do you feel about the future of your student loans under President-elect Donald Trump? Share your story with this reporter at <a target="_blank" class="" href="mailto: asheffey@businessinsider.com">asheffey@businessinsider.com</a>.

Student-loan borrowers can expect 2 of Biden's key debt relief efforts to face roadblocks under Trump

<ul class="summary-list"><li>Officials are urging people to stop spreading misinformation amid Hurricane Helene recovery efforts.</li><li>Both Republicans and Democrats have called out misinformation and false rumors.</li></ul>As rescue workers respond to the destruction in North Carolina after <a target="_blank" class="" href="https://www.businessinsider.com/hurricane-helene-north-carolina-flood-insurance-2024-10">Hurricane Helene</a>, government officials on both sides of the aisle are calling for a misinformation cease-fire.Since the hurricane made <a target="_blank" class="" href="https://www.businessinsider.com/hurricane-helene-slams-florida-power-outages-flooding-2024-9">landfall in Florida</a> and swept up <a target="_blank" class="" href="https://www.businessinsider.com/analysts-estimate-up-to-34-billion-damage-from-hurricane-helene-2024-10">to the Carolinas</a>, the storm itself has been swept up in another powerful force: American politics in a presidential election year.Some social media users are sharing unsubstantiated claims, some accompanied by fake AI-generated photos, criticizing the response from the Federal Emergency Management Agency (FEMA), the government's disaster relief group, and, by extension, the administration of President Joe Biden."It's not necessarily unusual for emergency situations to be breeding grounds for mis- and disinformation, but I do think we've seen a particularly large amount of false claims proliferating at this time," Mekela Panditharatne, a senior counsel at the Brennan Center for Justice, a nonprofit policy institute at New York University's School of Law, told Business Insider. "I don't think it's a coincidence that it's so close to a very consequential national election."<a target="_blank" class="" href="https://www.businessinsider.com/category/elon-musk">Elon Musk</a>, the billionaire owner of X and a <a target="_blank" class="" href="https://www.businessinsider.com/elon-musk-donald-trump-rally-butler-pennsylvania-assassination-attempt-2024-10">vocal supporter of former President Donald Trump</a>, has posted on his social media network saying that "<a target="_blank" class="" href="https://x.com/elonmusk/status/1842284913279586447">FEMA is both failing to help AND won't let others help</a>" and has reposted similar claims from others.Musk shared another claim that Asheville, North Carolina's airspace had been closed to block recovery efforts, prompting a fact-check from Transportation Secretary Pete Buttigieg, who said the Federal Aviation Administration was not shutting down the airspace. Buttigieg <a target="_blank" class="" href="https://x.com/SecretaryPete/status/1842271678274928964">told</a> Musk to call him with any issues, and after they <a target="_blank" class="" href="https://www.msnbc.com/inside-with-jen-psaki/watch/-he-called-buttigieg-reveals-details-of-conversation-with-elon-musk-about-storm-response-221029445906">spoke on the phone</a>, Musk posted that flights were underway and <a target="_blank" class="" href="https://x.com/elonmusk/status/1842350122899739050">thanked</a> Buttigieg.Trump has seized on the disaster to criticize the Biden administration and, by extension, his opponent, Vice President Kamala Harris, saying the Biden administration "stole the FEMA money" and "spent it all on illegal migrants," the Washington Post reported.His comments came after Department of Homeland Security Secretary Alejandro Mayorkas said FEMA would need more money from Congress to get it through the rest of hurricane season.A <a target="_blank" class="" href="https://www.washingtonpost.com/politics/2024/10/04/no-biden-didnt-take-fema-relief-money-use-migrants-trump-did/">Washington Post</a> investigation found no evidence that the Biden administration used disaster relief funds on the migrant crisis. However, amid hurricane season in 2019, Trump himself approved using $155 million in disaster relief funds for immigration detention at the border, the Post reported.<h2 id="27fd660a-73db-4a3c-9a26-23e6b84ae71d">Bipartisan calls to stop spreading 'junk' information</h2>Following the spike in false rumors, FEMA created a searchable <a target="_blank" class="" href="https://www.fema.gov/disaster/current/hurricane-helene/rumor-response">fact-checking page</a> to tackle misinformation about the relief efforts. In North Carolina, the Department of Public Safety also shared a fact-check on social media, which Democratic Gov. Roy Cooper has reposted.Republicans have also joined the fight against the false information. Kevin Corbin, a Republican member of the North Carolina Senate, issued a plea on <a target="_blank" class="" href="https://www.facebook.com/kevin.corbin/posts/pfbid02VZiZFjsikbNeD3AKwkkpv5nnXpmkxWr5sJRG1G51D6yN82NvywWVaA8M8XjcNdeol">Facebook</a> for people to stop spreading "conspiracy theory junk." He listed bizarre claims that he said he and other officials have heard, ranging from accusations that "FEMA is stealing money from donations" to the "government is controlling the weather from Antarctica.""It is just a distraction to people trying to do their job," Corbin wrote.<div type="image" title="A young man hands supplies down to a woman from the bed of a truck amid hurricane recovery efforts." height="3050" width="4575" msid="113997193" hostid="261" sizebytes="310870"></div>US Sen. Thom Tillis, also a Republican, echoed Corbin's comments on "Face the Nation with Margaret Brennan" on <a target="_blank" class="" href="https://www.cbsnews.com/news/thom-tillis-senator-north-carolina-face-the-nation-transcript-10-06-2024/">CBS News</a> on Sunday. He said many of the claims are "not even from people on the ground" and complicate rescue and recovery operations."It's at the expense of the hard-working first responders and people that are just trying to recover their life," Tillis said. "Quite honestly, most of what I've seen out there is a distraction and not helping the core of the effort right here, which is to save lives and start rebuilding."Panditharatne told BI that the spread of misinformation can "dissuade people from seeking the assistance that they need in this time of crisis.""It's perfectly legitimate to express an opinion or criticize the sufficiency of a response, but a number of the claims that we are seeing, particularly from high profile actors and politicians, are baseless, and they're contradicting verifiable facts or unsubstantiated by evidence," she said. "Where that is the case, I think it can divert public information and resources and demoralize officials on the ground."In a crisis, there may be gaps in available information, creating a vacuum for misinformation to "flood in to fill the void," Panditharatne said. However, she added that's not an excuse."I think anyone like Musk, who has a significant influence over the information ecosystem, should feel a sense of responsibility to promote information that doesn't undermine people's ability to access the aid that they need or undermine officials' response to a crisis," she said.The Trump campaign did not immediately respond to a request for comment. Representatives for X also did not immediately respond.

Both Democrats and Republicans in North Carolina say misinformation is complicating Hurricane Helene relief efforts

<ul class="summary-list"><li>At a Wisconsin campaign rally, Trump criticized Biden's student-loan-forgiveness efforts.</li><li>He described Biden's debt relief as illegal and an attempt to get "publicity for the election."</li></ul>Former President Donald Trump is making sure voters know <a target="_blank" href="https://www.businessinsider.com/how-will-presidential-election-impact-student-loan-debt-forgiveness-biden-2023-10">how he feels about student-loan forgiveness</a>.During a Tuesday <a target="_blank" href="https://www.youtube.com/watch?v=X-XYXZXh-Hc">campaign rally</a> in Wisconsin, Trump delivered a more than an hourlong speech on topics including immigration, national security, and the economy.He also used that time to criticize President Joe Biden's efforts to enact student-loan forgiveness for millions of Americans."He's throwing money out the window," Trump said."This student-loan program, which is not even legal, I mean it's not even legal, and the students aren't buying it, by the way," he added. "His polls are down. I'm leading in young people by numbers that nobody's ever seen before."A Harvard Youth Poll conducted in March found that among people 18 to 29, <a target="_blank" href="https://www.politico.com/news/2024/04/18/poll-trump-cuts-into-bidens-lead-among-young-people-00152970">Biden was leading Trump</a> at 45% compared with 37%. That was still a reduction from Biden's youth support in the poll in 2020.Trump also referred to the Supreme Court's <a target="_blank" href="https://www.businessinsider.com/student-loan-forgiveness-blocked-supreme-court-strikes-down-debt-cancellation-2023-5">striking down Biden's first attempt at broad student-loan forgiveness</a> last summer, saying that "he got rebuked and then he did it again.""It's going to get rebuked again even more," he added, calling the plan "vile" and an attempt to get "publicity for the election."The day of the Supreme Court decision last June, Biden's Education Department announced it would pursue <a target="_blank" href="https://www.businessinsider.com/how-long-will-take-cancel-student-debt-higher-education-act-2023-7">a new route for debt relief</a> using the Higher Education Act of 1965. That law requires the administration to undergo a process known as negotiated rulemaking, which entails a series of negotiations with stakeholders and a period of public comment before relief can be implemented.The department recently concluded <a target="_blank" href="https://www.businessinsider.com/biden-new-student-loan-forgiveness-plan-how-to-comment-relief-2024-5">the public-comment period</a>, and it plans to start implementing the relief — expected to benefit over 30 million Americans — this fall. However, conservative groups have <a target="_blank" href="https://www.businessinsider.com/will-new-student-loan-forgiveness-plan-be-blocked-scotus-chevron-2024-4">voiced opposition</a> to the plan, and it's highly likely it will once again run into lawsuits that could delay or block the relief.The presidential election also presents uncertainty surrounding the fate of student-loan forgiveness. Should Biden win, his administration would most likely continue carrying out its broad and targeted debt-relief efforts such as <a target="_blank" href="https://www.businessinsider.com/student-loan-consolidation-deadline-extended-more-time-borrowers-debt-relief-2024-5">one-time account adjustments</a> for borrowers on income-driven repayment plans and Public Service Loan Forgiveness.Given Trump's opposition to debt cancellation, as president he would <a target="_blank" href="https://www.businessinsider.com/what-us-economy-would-look-like-with-trump-biden-presidency-2024-5">most likely cease the Biden administration's work</a> to cancel student debt.This isn't the first time Trump has criticized student-debt relief. He called Biden's first attempt at broad relief an "election enhancing money grab." After the Supreme Court decision, his campaign said in a statement that "these wins were only made possible through President Trump's strong nomination of three distinguished and courageous jurists to the Supreme Court."Still, Biden's Education Department is moving forward with its relief efforts and has maintained that all its actions are in accordance with the law and the Supreme Court decision. Along with its broader second attempt at relief, the Education Department began canceling student debt for <a target="_blank" href="https://www.businessinsider.com/student-loan-forgiveness-blocked-save-plan-lawsuit-gop-attorneys-general-2024-3">borrowers on the SAVE plan</a> who borrowed $12,000 or less originally and made as few as 10 years' worth of qualifying payments.While GOP state attorneys general <a target="_blank" href="https://www.businessinsider.com/student-loan-borrowers-gop-block-save-plan-standing-just-barely-2024-6">launched two separate lawsuits seeking to block that relief</a>, a court has yet to issue a final decision.

Trump calls Biden's student-loan-forgiveness efforts 'vile' &mdash; and suggests voters shouldn't count on that relief if they elect Trump

New Delhi [India], May 28 (ANI): After over 650 people lost their lives in the deadly <keyword id="6420762" type="General" weightage="20" keywordseo="landslide" source="Orion">landslide</keyword> in <keyword id="20153057" type="General" weightage="100" keywordseo="Papua-New-Guinea" source="keywords">Papua New Guinea</keyword>, <keyword id="3658" type="General" weightage="20" keywordseo="India" source="Orion">India</keyword>, on Tuesday, announced immediate <keyword id="20371761" type="General" weightage="20" keywordseo="relief-assistance" source="keywords">relief assistance</keyword> worth USD 1 million to the island nation. India expressed solidarity by announcing relief assistance to the island country which was hit by a massive landslide last week in its <keyword id="20643918" type="General" weightage="20" keywordseo="Enga-Province" source="keywords">Enga Province</keyword>, burying hundreds of people and causing major destruction and loss of life. Earlier today, Prime Minister Narendra Modi expressed deep condolences and conveyed India's readiness to extend all possible support and assistance to the Pacific island country in its time of difficulty. " As a close friend and partner under the Forum for India-Pacific Islands Cooperation (FIPIC) and as a gesture of solidarity with the friendly people of Papua New Guinea, the Government of India extends an immediate relief assistance of USD 1 million to support relief, rehabilitation and reconstruction efforts," the Ministry of External Affairs said in a statement. Moreover, India has firmly stood by Papua New Guinea during times of difficulty and devastation caused by <keyword id="19922196" type="General" weightage="20" keywordseo="natural-disasters" source="keywords">natural disasters</keyword>, including in the wake of the earthquake in 2018 and volcanic eruptions in 2019 and 2023. An important pillar of India's Indo-Pacific Oceans Initiative (IPOI), announced by Prime Minister Modi in November 2019, is Disaster Risk Reduction and Management. "India is committed to Humanitarian Assistance and Disaster Relief (HADR) and continues to be a responsible and steadfast responder," the statement read. Moreover, around 2000 people are feared to have been buried by the massive landslide. "The landslide buried more than 2000 people alive, caused major destruction to buildings, and food gardens, and caused a major impact on the economic lifeline of the country," Lusete Laso Mana, Acting Director of the National Disaster Centre, said in a letter to the UN. Over 150 houses in Yambali village were buried in debris, according to the officials. The area continues to pose an "extreme risk," officials added, as rocks continue to fall and the ground soil is exposed to constant increased pressure.

India announces relief aid worth 1 million US dollars for landslide-hit Papua New Guinea

<ul class="summary-list"><li>Biden touted his efforts to help student-loan borrowers during his State of the Union address.</li><li>While he's implemented targeted relief to borrowers, many are still waiting for broader measures.</li></ul>As President Joe Biden made the final State of the Union address of his first term, he wanted federal student-loan borrowers to know that he's still fighting to get them more relief.But some borrowers still wonder when that extra relief will hit their accounts.When Biden was first running for office, he <a target="_blank" href="https://www.businessinsider.com/student-loan-debt-forgiveness-biden-campaign-promises-education-department-2021-6">campaigned on canceling $10,000 in student debt per borrower</a>, along with reforming repayment programs like Public Service Loan Forgiveness. Following flaws in the student-loan industry that have kept many borrowers in repayment longer than intended, many borrowers were counting on Biden for broad relief — and he attempted to deliver on that promise in August 2022, when he <a target="_blank" href="https://www.businessinsider.com/biden-cancels-student-loan-debt-100000-people-making-125k-income-2022-5?esd">announced up to $20,000 in debt cancellation for borrowers making under $125,000 a year</a>.However, that relief did not go according to plan. Shortly after Biden's announcement, a number of conservative-backed lawsuits arose seeking to block the implementation of the relief, and the Supreme Court ruled in June 2023 that Biden <a target="_blank" href="https://www.businessinsider.com/student-loan-forgiveness-blocked-supreme-court-strikes-down-debt-cancellation-2023-5">could not move forward with his first try at broad student-loan forgiveness</a>.The Education Department is undergoing a process to get relief to borrowers using a different law, but it will take time to reach borrowers. Clare McCann, director of higher education at Arnold Ventures — an organization that researched and advocates for policy reforms — told Business Insider that Biden has "really put a lot of energy into making sure existing loan forgiveness and loan discharge authorities really work for borrowers.""At the same time, what's really important is making sure future cohorts of borrowers are not left in this situation to begin with," McCann said.Biden touted the relief he's already delivered during his <a target="_blank" href="https://www.whitehouse.gov/briefing-room/speeches-remarks/2024/03/07/remarks-of-president-joe-biden-state-of-the-union-address-as-prepared-for-delivery-2/">address</a> Thursday night, saying: "I fixed student loan programs to reduce the burden of student debt for nearly 4 million Americans.""Such relief is good for the economy because folks are now able to buy a home, start a business, even start a family," Biden said.Here's what Biden has done so far to get relief to "as many borrowers as possible," <a target="_blank" href="https://www.whitehouse.gov/briefing-room/statements-releases/2024/03/07/fact-sheet-president-biden-is-taking-action-to-lower-costs-for-families-and-fight-corporate-rip-offs/">per the White House</a> — and what might come next.<h2>Targeted student-loan forgiveness</h2>While the Supreme Court struck down Biden's first try at broad student-loan forgiveness, he has still <a target="_blank" href="https://www.businessinsider.com/student-loan-debt-cancellation-payment-pause-borrowers-disabilities-defrauded-2021-6">enacted smaller amounts of relief to borrowers</a> through various reforms.So far, his administration has canceled $138 billion in student debt for about 3.9 million borrowers — partly due to <a target="_blank" href="https://www.businessinsider.com/how-to-get-idr-student-debt-relief-account-adjustment-biden-2023-7">account adjustments for borrowers</a> in PSLF and income-driven repayment plans who made the qualifying number of payments but had yet to see relief.Additionally, the Education Department has announced debt cancellation for borrowers defrauded by the schools they attended, including the major for-profit chains ITT Technical Institute and Corinthian Colleges.<h2>Improved higher-ed regulations</h2>Along with targeted relief, McCann said a key factor in helping borrowers is the Education Department's efforts to ensure "colleges are providing value, and that education pays off for borrowers in the future."An example of that effort is <a target="_blank" href="https://www.businessinsider.com/what-is-new-gainful-employment-rule-student-loan-debt-relief-2023-9">the department's new gainful employment rule</a>. First established in 2014, the rule cut off federal student aid for schools that offered degrees that left students with too much debt compared to their likely post-graduation earnings.While former President Donald Trump repealed the rule in 2019, Biden's administration reinstated it to protect students from taking on spiraling debt loads.The department also announced a financial transparency framework to give students upfront information on the costs of their degrees and how much debt they should expect to acquire.<h2>A new repayment plan</h2>Biden <a target="_blank" href="https://www.businessinsider.com/does-debt-ceiling-deal-ban-student-debt-relief-payment-pause-2023-5">codified the end of the over three-year student-loan payment pause</a> in his bill to raise the debt ceiling in June, leading payments to once again resume in October. In an attempt to make the transition easier for borrowers, the Education Department announced a new income-driven repayment plan, known as the SAVE plan, <a target="_blank" href="https://www.businessinsider.com/student-loan-debt-borrowers-apply-income-driven-repayment-save-plan-2023-7">intended to lower monthly payments for many borrowers</a>.The plan includes a range of provisions intended to make relief more accessible for borrowers. In January, the department announced it would be implementing one of those provisions ahead of schedule: loan forgiveness for borrowers who originally borrowed $12,000 or less and made as few as 10 years of qualifying payments.In February, the department announced <a target="_blank" href="https://www.businessinsider.com/student-loan-forgiveness-debt-cancellation-save-income-driven-payment-plan-2024-2">$1.2 billion in debt relief for 153,000 borrowers</a>, the first group to benefit from that provision.Other plan elements to be implemented later this year include cutting payments for undergraduate borrowers in half and counting periods spent in deferment or forbearance toward relief.<h2>A second attempt at broader debt relief</h2>A process that has likely gotten the most attention from borrowers is the Education Department's second attempt at a broader version of student-debt cancellation.On the same day the Supreme Court struck down Biden's first relief attempt, the department <a target="_blank" href="https://www.businessinsider.com/how-long-will-take-cancel-student-debt-higher-education-act-2023-7">announced a new route using the Higher Education Act of 1965</a>. That law requires the administration to participate in a process known as negotiated rulemaking, which involves a series of negotiation sessions with stakeholders and periods of public comment before the relief can reach borrowers.The department <a target="_blank" href="https://www.businessinsider.com/student-loans-where-does-biden-debt-cancellation-stand-negotiations-relief-2024-2">concluded its fourth and final negotiation session</a> in February, and it's now drafting its proposal to present to the public for comment. Based on the text proposed at the negotiations, the department is considering <a target="_blank" href="https://www.businessinsider.com/student-loan-forgiveness-who-will-qualify-second-attempt-biden-education-2023-12">five groups of borrowers for relief</a>, including those with balances greater than what they originally owed, along with a category to determine what hardship factors would qualify a borrower for relief.However, McCann said that "we don't have much sense of the department's timeline" for the relief at this point, and "borrowers should expect that this regulation will likely be entangled in litigation pretty quickly.""So I think it's very unlikely that borrowers will have seen actually dollars discharged before the election," McCann said, when it comes to implementation of this new regulation.

Biden is still running on a promise to get student-loan forgiveness to 'as many borrowers as possible.' Here's where his debt relief efforts stand.

<ul class="summary-list"><li>White House's Jeff Zients told Axios that student-loan borrowers can "expect more" debt relief from Biden.</li><li>He said student-debt relief is among Biden's priorities as he finishes his term.</li></ul><a target="_blank" class="" href="https://www.businessinsider.com/boomer-student-loan-forgiveness-refund-saving-for-retirement-debt-relief-2024-8">Student-loan forgiveness</a> is among President Joe Biden's key priorities as he finishes out his term, a top White House official said.Although Vice President Kamala Harris is accepting her nomination as the Democratic presidential candidate this week, White House chief of staff Jeff Zients <a target="_blank" href="https://www.axios.com/2024/08/19/jeff-zients-biden-election-interview">told</a> Axios that Biden will not let up on his work until he's officially out of office.According to the Axios interview, Zients highlighted key areas Biden will focus on over the next five months, including continued implementation of the <a target="_blank" class="" href="https://www.businessinsider.com/biden-laws-us-infrastructure-invest-funding-2024-3">infrastructure bill</a>, protecting reproductive and civil rights, competing with China, and bolstering efforts to lower costs — including <a target="_blank" class="" href="https://www.businessinsider.com/student-loan-forgiveness-gen-x-degree-better-retirement-income-driven-2024-6">via student-loan forgiveness</a>."You should expect more on student debt relief," Zients told Axios. "You should expect more on junk fees and anything we can do to make Americans' lives more affordable."Over the past couple of years, millions of federal student-loan borrowers have faced both progress and setbacks. The Supreme Court <a target="_blank" class="" href="https://www.businessinsider.com/student-loan-forgiveness-blocked-supreme-court-strikes-down-debt-cancellation-2023-5">blocked Biden's first attempt</a> at broad student-loan forgiveness last summer, and the Education Department is now in the final stages of its <a target="_blank" class="" href="https://www.businessinsider.com/how-long-will-take-cancel-student-debt-higher-education-act-2023-7">second attempt at broader relief</a>.At the same time, <a target="_blank" class="" href="https://www.businessinsider.com/save-plan-blocked-student-loan-payments-paused-no-debt-cancellation-2024-7">legal challenges have plagued Biden's efforts</a> to launch a more affordable income-driven repayment plan, <a target="_blank" class="" href="https://www.businessinsider.com/save-plan-blocked-cheaper-student-loan-payments-relief-new-ruling-2024-8">leaving millions of borrowers in limbo</a> as the legal process plays out. Education Secretary Miguel Cardona has vowed to continue the department's efforts to help borrowers, saying in a recent <a target="_blank" class="" href="https://www.ed.gov/news/press-releases/statement-us-secretary-education-miguel-cardona-8th-circuit-court-ruling-biden-harris-administrations-saving-valuable-education-save-plan">statement</a> that "the Biden-Harris Administration remains committed to delivering as much relief as possible for as many borrowers as possible."Here's what borrowers are on track for as the year closes out.<h2 id="7bf17902-0d7e-4e29-a720-94b1ad7bfd98">What's next for student-debt relief</h2>Over the past year, the Education Department has been implementing <a target="_blank" class="" href="https://www.businessinsider.com/student-loan-forgiveness-how-to-get-account-adjustmnet-debt-cancellation-2024-2">one-time account adjustments</a> for borrowers on income-driven repayment plans and Public Service Loan Forgiveness. The adjustments are intended to bring borrowers' payment counts on those programs up to date, allowing many of them to reach the forgiveness threshold.According to the department, the adjustments will be completed by September 1 and will be automatically applied to borrowers with student loans managed by the Education Department.Another key program the department hopes to implement this fall is its <a target="_blank" class="" href="https://www.businessinsider.com/student-loan-forgiveness-borrowers-action-opt-out-debt-relief-2024-7">broader plan for student loan forgiveness</a> using the Higher Education Act of 1965. This plan has been in the works for over a year, requiring the department to go through a series of negotiation sessions with stakeholders and a period of public comment to help craft the final rule.The department said it plans to implement the relief — expected to <a target="_blank" class="" href="https://www.businessinsider.com/biden-announces-new-student-loan-forgiveness-plan-who-qualifies-relief-2024-4">benefit over 30 million borrowers</a> — in October, and it includes debt cancellation for borrowers with unpaid interest, those who have been in repayment for at least 20 years, and those who attended schools that left them with too much student debt compared to post-graduation earnings.Still, the timeline for that relief is uncertain because it will likely face legal challenges that could halt or permanently block the plan.Lawsuits have also left the fate of relief through Biden's SAVE income-driven repayment plan uncertain. Although thousands of borrowers have <a target="_blank" class="" href="https://www.businessinsider.com/how-to-get-student-loan-forgiveness-early-income-driven-repayment-2024-1">already gotten relief through SAVE</a> due to its shorter timeline for forgiveness, the 8th Circuit Court of Appeals recently blocked the plan from being implemented.Biden's Justice Department <a target="_blank" class="" href="https://www.businessinsider.com/save-plan-blocked-justice-department-asks-supreme-court-cheaper-payments-2024-8">asked the Supreme Court to allow the plan to progress</a>, but in the meantime, 8 million enrolled borrowers are on forbearance and cannot receive progress toward loan forgiveness as long as the injunction stays in place.

Student-loan borrowers can expect more debt relief before Biden's term is up, a top White House House official says 

<ul class="summary-list"><li>The Supreme Court struck down the Chevron doctrine, which gave federal agencies power to interpret laws.</li><li>This has major implications for all kinds of legislation and puts controversial efforts like student-debt relief at risk.</li></ul><a target="_blank" href="https://www.businessinsider.com/will-new-student-loan-forgiveness-plan-be-blocked-scotus-chevron-2024-4">Legal challenges against student-debt relief</a> efforts continue, making the fate of millions of borrowers all the more uncertain.On June 28, the Supreme Court <a target="_blank" href="https://www.businessinsider.com/scotus-chevron-doctrine-bidens-climate-policies-at-risk-2024-6">overruled the Chevron doctrine</a>, a 1984 decision that allowed federal agencies to interpret laws as long as they did not violate Congress's language.This means that courts will now have the power to decide what a law means rather than defer to federal agencies with expertise on the topic.It'll <a target="_blank" href="https://www.businessinsider.com/social-security-supreme-court-what-are-major-cases-administrative-state-2023-11">cast a lot of uncertainty over all federal agencies</a>. When it comes to higher education, the ruling will impose more barriers on regulations that are particularly controversial, like efforts to forgive student debt.Jon Fansmith, senior vice president of government relations and national engagement at the American Council on Education, told Business Insider that Chevron's overruling places students, institutions, and the government in a "Wild West situation.""It's not a guarantee that every regulation gets thrown out, but what it does is it says the field of what's open to challenge just got a whole lot bigger," Fansmith said."There are almost no existing regulations that are simply direct implementations of what's written down in the statute. All of them, to a varying degree, but in some cases, very large degree, rely on the agency's interpretation," he said. "So they're all subject to challenge, and you can't look at the compliance environment you're in right now and say with any certainty what that's going to look like in six months or a year or three years from now."While federal agencies typically craft regulations to ensure they're in accordance with Congress's language and can withstand legal challenges, the Supreme Court has now made that process a lot more difficult by handing over interpretation power to the courts. Experts told BI that lawmakers could help solve the issue by making the language in laws like the Higher Education Act more clear, but that's unlikely to happen given the partisanship and slow-moving nature of Congress."Having some level of basic certainty for a number of years is far more preferable to trying to constantly stay on top of a shifting environment and not knowing whether you are in compliance or not," Fansmith said. "It is a difficult situation to be in, and I think for most people, the significant new chaos that's introduced is going to be really, really hard to work with and operate under."<h2 id="694b64a3-8a0d-4b29-b9a5-32dd6c2106a2">'Huge implications for American life'</h2>Since President Joe Biden announced his <a target="_blank" href="https://www.businessinsider.com/biden-cancels-student-loan-debt-100000-people-making-125k-income-2022-5?esd">first plan to cancel student debt</a> broadly in 2022, conservative groups haven't stopped trying to block the relief — and some of them succeeded. The Supreme Court <a target="_blank" href="https://www.businessinsider.com/student-loan-forgiveness-blocked-supreme-court-strikes-down-debt-cancellation-2023-5">struck down Biden's plan</a> to cancel up to $20,000 in student debt for borrowers last June, and district courts <a target="_blank" href="https://www.businessinsider.com/save-plan-student-loan-forgiveness-blocked-borrowers-forbearance-payments-paused-2024-6">placed preliminary injunctions</a> on the new SAVE income-driven repayment plan just weeks ago.The Education Department is working on finalizing <a target="_blank" href="https://www.businessinsider.com/biden-announces-new-student-loan-forgiveness-plan-who-qualifies-relief-2024-4">its second attempt at a broader debt relief plan</a>, which it hopes to implement this fall. It's highly likely to face legal challenges. But striking down Chevron could pose even more barriers to debt relief and many higher education regulations borrowers rely on.Those include reforms to the borrower defense to repayment process, which allows debt relief for borrowers who prove they were defrauded by the school they attended, and the gainful employment rule, which ensures borrowers do not graduate from a school with too much debt compared to post-graduation earnings.All of those rules could be at risk. Neal Hutchens, a professor in the Department of Educational Policy Studies and Evaluation at the University of Kentucky, told BI that the Chevron ruling is "really going to empower individual judges to weigh in and interpret the law in a way that we haven't seen in 50 years.""This means that it's even harder for an administration to come up with a rule or regulation around student debt relief because now it can be challenged in a way that it couldn't just a couple of weeks ago," he said.That's good news for some Republican lawmakers. After the Supreme Court's Chevron ruling, Sen. Bill Cassidy — top Republican on the Senate education committee — sent a <a target="_blank" href="https://subscriber.politicopro.com/f/?id=00000190-6bca-d3d9-a9da-efda40f10000">letter</a> to Education Sec. Miguel Cardona asking how the Education Department would comply with the ruling."For too long, Chevron deference has let agencies make broad decisions governing a diverse country of over 330 million people," Cassidy wrote.Fansmith said that Congress could help matters by writing laws with clear, specific language on intent so there's no room for ambiguity — but typically, big bills have a lot of gray areas, and it's difficult to get both parties to agree on particulars.Ultimately, the ruling has opened the door for significant uncertainty, and removing agency authority to make decisions could have "huge implications for American life moving forward," Hutchens said."I think it makes it harder for the average person, the average consumer, to hope that agencies will be able to do things on their behalf," Hutchens said. "They're not necessarily going to be winners in this system."

Student-loan borrowers are entering a new 'Wild West' where any form of debt relief is much less certain

United Nations, India is "deeply troubled" by the conflict in Gaza that has raged on for nearly five months now, the country's envoy to the UN has said, asserting that the loss of civilian lives and the resulting humanitarian crisis is "clearly unacceptable". India's Permanent Representative to the UN Ambassador, <keyword id="19898338" type="General" weightage="20" keywordseo="ruchira-kamboj" source="keywords">Ruchira Kamboj</keyword>, said this while addressing a UN General Assembly meeting on the 'Use of Veto' on Monday. "The ongoing conflict between Israel and Hamas has led to large scale loss of civilian lives, especially women and children....this has also resulted in an alarming humanitarian crisis. This is clearly unacceptable," Kamboj told the UNGA. She said that India has been "deeply troubled by the conflict in Gaza that has been raging for nearly five months now." "The humanitarian crisis has deepened, and the region and beyond have seen rising instability," India's top diplomat to the UN said. The General Assembly held the plenary debate on the 'Use of the veto' after the US cast a veto in the UN Security Council last month, leading to the failure of the Council to adopt a resolution calling for a humanitarian ceasefire in the Gaza war. Kamboj told the UNGA that India's position on the conflict has been clear, and New Delhi has strongly condemned the deaths of civilians in the conflict. "It is critical to prevent further escalation of violence and hostilities. It is imperative to avoid the loss of civilian lives in any conflict situation," she said. Kamboj underlined that humanitarian aid to the people of Gaza must be scaled up immediately to avert a further deterioration in the situation. She urged all parties to come together in this endeavour and welcomed the efforts of the UN and the international community. "India has provided humanitarian aid to the people of Palestine and will continue to do so," she said. Kamboj said India is cognizant of the fact that the immediate trigger of the conflict was the terror attacks in Israel on October 7, which were "shocking and deserve our unequivocal condemnation. "India has a longstanding and uncompromising position against terrorism in all its forms and manifestations. There can be no justifications for terrorism and hostage-taking. We demand the immediate and unconditional release of all hostages," she said. India has repeatedly emphasised that only a two-state solution, achieved through direct and meaningful negotiations between both sides on final status issues, will deliver an enduring peace. "India is committed to supporting a two-state solution where the Palestinian people are able to live freely in an independent country within secure borders, with due regard to the security needs of Israel," Kamboj said. To arrive at a lasting solution, India urged for immediate de-escalation, eschewing violence, the release of all hostages, avoiding provocative and escalatory actions, and working towards creating conditions for an early resumption of direct peace negotiations. Separately, addressing a special meeting of the General Assembly on the <keyword id="20359702" type="General" weightage="20" keywordseo="united-nations-relief-and-works-agency" source="keywords">United Nations Relief and Works Agency</keyword> for Palestine Refugees in the Near East (<keyword id="19970301" type="General" weightage="20" keywordseo="unrwa" source="keywords">UNRWA</keyword>), Kamboj said that recent allegations that some employees of the agency may have been involved in the October 7 Hamas terrorist attack on Israel are a "matter of serious concern. Noting the constitution of an independent review group led by the former Foreign Minister of France Catherine Colonna to go into the working of the UNRWA, Kamboj said India looks forward to getting these reports. "We have noted that the Secretary-General has announced a time-bound investigation into all such allegations," Kamboj said. UN Secretary-General <keyword id="19962050" type="General" weightage="20" keywordseo="antonio-guterres" source="keywords">Antonio Guterres</keyword> was "horrified" by the "extremely serious allegations" which implicate several UNRWA staff members in the terror attacks of October 7 in Israel. In consultation with UNRWA Commissioner-General <keyword id="20355646" type="General" weightage="20" keywordseo="philippe-lazzarini" source="keywords">Philippe Lazzarini</keyword>, the Secretary-General appointed an independent Review Group to assess whether the agency was doing everything within its power to ensure neutrality and to respond to allegations of serious breaches when they are made. The UN has said it is taking swift action following the allegations, and an investigation by the UN's Office of Internal Oversight Services (OIOS) was immediately activated. Kamboj said that the ongoing conflict between Israel and Hamas has led to large-scale loss of civilian lives, especially women and children, and has resulted in an alarming humanitarian crisis. She said that India has provided humanitarian aid to the people of Palestine and will continue to do so. "We are also positively considering specific requests from the UNRWA for assistance in kind. We urge utmost diligence in the utilisation of this assistance," she said. As a mark of solidarity with the Palestinian refugees, Kamboj said India enhanced its annual contribution to the agency from USD 1.25 million to USD 5 million in 2018. Since then, India has been making this contribution to the agency annually, supporting the agency's core programmes and services, including education, healthcare, relief, and social services provided to Palestinian refugees.

You Searched For "relief efforts" and got 8 results

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Biden is still running on a promise to get student-loan forgiveness to 'as many borrowers as possible.' Here's where his debt relief efforts stand.

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Student-loan borrowers can expect more debt relief before Biden's term is up, a top White House House official says

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Student-loan borrowers are entering a new 'Wild West' where any form of debt relief is much less certain

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