1. United States
2. Calif.
3. Letter

The recent federal court injunction pausing all income-driven student loan repayment plans is a major setback for borrowers. The SAVE Plan offered a much-needed pathway to affordable monthly payments tied to income and promised loan forgiveness after 25 years of responsible payments. With this option now unavailable, borrowers are left with limited choices that may require unmanageable payments unaligned with their financial realities. Students expressed valid concerns about repaying loans without income-based options. The standard and graduated plans fail to account for borrowers' earnings, potentially creating an insurmountable burden post-graduation. Ultimately, this injunction undermines efforts to make higher education accessible and prevents borrowers from getting on a sustainable repayment track. Reinstating the SAVE Plan and preserving income-driven repayment is crucial for promoting economic mobility and preventing defaults that harm both borrowers and taxpayers. Affordable student loans are an investment in our future workforce and economy. I urge you to advocate for the SAVE Plan's reinstatement and defend authority to offer income-based repayment pathways.