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☆ Student-loan borrowers could take legal action against their servicers or the Biden administration if repayment mistakes aren't fully fixed, a new federal memo says
▼ + stars: | 2023-11-02 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

The Education Department released a memo detailing mistakes it found student-loan servicers are making with repayment. It pushed for the mistakes to be remedied for borrowers to avoid legal action. AdvertisementAdvertisementPresident Joe Biden's Education Department is concerned student-loan borrowers could turn to legal action if issues with their accounts aren't fully resolved. The Education Department said it will continue enforcing oversight over servicers to ensure borrowers are not further harmed by mistakes to no fault of their own. "We are committed to making things right for borrowers and holding our contractors accountable for errors when they do occur."

Persons: MOHELA, —, Joe Biden's, Education James Kvaal, servicers, I've, it's, Richard Cordray Organizations: Education Department, Service, Joe Biden's Education Department, Wednesday, Federal Student Aid, Education, MOHELA, Department, The Education Department Locations: forbearance

☆ Student-loan borrowers with 'hardship' could be eligible for Biden's next round of relief if the administration can define what that means
▼ + stars: | 2023-11-01 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

The Education Department released its draft text for its new student-debt relief plan. AdvertisementAdvertisementOver the past few years, Insider has heard from a range of borrowers who have struggled to get ahead of their student debt. Now, President Joe Biden's Education Department is moving forward with its new plan for student-loan forgiveness — and it wants feedback on which situations would meet a "hardship' standard for relief. The department said it did not include that group of borrowers in its initial draft text for debt relief because it needs to further define what hardship means. Do you think your student debt experiences should qualify as hardship?

Persons: —, Joe Biden's, Pell, Tamy Abernathy Organizations: Education Department, Service, Joe Biden's Education Department, Higher

☆ A for-profit school that 'deceived' student-loan borrowers and pushed them to take on 'unexpectedly high levels' of debt got hit with a $37 million fine, Biden's Education Department says
▼ + stars: | 2023-10-31 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

The Education Department fined for-profit Grand Canyon University $37 million over accusations of misleading behavior. It said Grand Canyon mispresented the costs of its doctoral programs, leading to high student debt. AdvertisementAdvertisementA major for-profit school just got hit with a fine over accusations of misleading thousands of its students. A senior department official told reporters on a Tuesday press call that this is the largest penalty the Education Department has ever enforced on a school. "Rather than the Department protecting students, we are being forced to protect our students from this targeted and unwarranted government overreach."

Persons: —, Joe Biden's, GCU, Richard Cordray, GCU's, Aaron Ament, they'll Organizations: Education Department, Canyon University, Service, Joe Biden's Education Department, Grand Canyon University, Federal, Aid, Department, Federal Student Aid, The Education Department, University of Phoenix, Student Defense, of Education

☆ A major student-loan company failed to send on-time billing statements to 2.5 million borrowers. Biden's Education Department is punishing it.
▼ + stars: | 2023-10-30 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

The Education Department announced it's withholding $7.2 million in pay from student-loan company MOHELA. It's a result of MOHELA failing to deliver on-time billing statements to 2.5 million borrowers. AdvertisementAdvertisementPresident Joe Biden's Education Department just enacted its first punishment on a student-loan company for its repayment mistakes. MOHELA and the Education Department have previously expressed concerns with limited resources due to Congress failing to increase funding for Federal Student Aid in the previous fiscal year. The Education Department did not immediately respond to Insider's request for comment on whether there might be any adverse effects of withholding MOHELA's pay.

Persons: —, Joe Biden's, MOHELA, Miguel Cardona, Richard Cordray, Cordray Organizations: Education Department, Service, Joe Biden's Education Department, Public, Department, Federal Student Aid, Democratic Locations: It's, forebearance

☆ Biden's Education Department reveals the 4 groups of student-loan borrowers it's prioritizing for its second attempt at debt relief
▼ + stars: | 2023-10-30 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

The Education Department released the draft text of its second attempt at student-debt relief. AdvertisementAdvertisementPresident Joe Biden's Education Department just released the latest details on its second attempt at student-loan forgiveness. On Monday, the department released the draft text of its proposal to cancel student debt for federal borrowers using the Higher Education Act of 1965. The high court ruled Biden did not have the authority to cancel student debt broadly using that law. AdvertisementAdvertisementA senior department official also told reporters that the amount of student debt canceled could vary by each group.

Persons: —, Joe Biden's, Biden, Harris, Miguel Cardona, Education James Kvaal, Tamy Abernathy, it's, Ashley Pizzuti Organizations: Education Department, Service, Joe Biden's Education Department, Higher, Education

☆ A major student-loan company is transitioning millions of borrowers' accounts to a new platform — and it could mean up to 30-day delays posting payments
▼ + stars: | 2023-10-27 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

Student-loan company MOHELA said on its website that it's transitioning borrowers to a new platform. The switch could mean up to 30-day delays in posting new payments. MOHELA borrowers will have to establish a new account on the platform, and its mobile app will no longer be available once the transition is complete. The announcement of this change comes less than a month after federal student-loan payments resumed following an over three-year pause. For borrowers on auto debit with their payments, MOHELA also said it'll have a new name on its new platform: auto pay.

Persons: MOHELA, —, Joe Biden's, Scott Buchanan, servicers —, it'll, Nelnet —, Nelnet Organizations: Service, Joe Biden's Education Department, Student Loan, —, The Education Department

☆ New rules prevent colleges from leaving student-loan borrowers with 'shoddy educations' and lots of debt, Biden's Education Department says
▼ + stars: | 2023-10-24 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

The Education Department released new rules to protect student-loan borrowers from unaffordable debt. They also require colleges to be upfront with a student on the amount of debt they'll take on for a program. AdvertisementAdvertisementPresident Joe Biden's Education Department finalized rules to hold colleges accountable for loading student-loan borrowers up with unaffordable debt. On Tuesday, the Education Department released its final regulations to strengthen oversight over colleges and enhance protections for student-loan borrowers. "They will help prevent fly-by-night colleges from leaving students and taxpayers holding the bag for shoddy educations," he continued.

Persons: —, Joe Biden's, Education James Kvaal, they're, Kelly McManus, Barack Obama's, Donald Trump, Miguel Cardona Organizations: Education Department, Service, Joe Biden's Education, Education, Arnold Ventures

☆ Why some student-loan borrowers aren't worried about missing payments over the next year
▼ + stars: | 2023-10-22 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

Federal student-loan payments started to become due again in October. AdvertisementAdvertisementTargeted student-loan forgiveness could also be driving some borrowers to push off their monthly payments. Consequences of missing a student-loan paymentFor now, the only guaranteed consequence of missing a student-loan payment is interest accrual. AdvertisementAdvertisementStill, there are other reasons — aside from choosing not to pay debt — why a borrower might not make a payment right now. For example, since payments resumed many borrowers have reported issues with their account, from missing paperwork, to inaccurate billing statements, to severe processing delays.

Persons: —, they're, Joe Biden's, Biden's, Xiong Chang Organizations: Service, Treasury, Joe Biden's Education Department, Education Department, Public

☆ 305,000 student-loan borrowers got the wrong billing information from their servicer and 'will not have payments due until these mistakes are fixed,' Biden's Education Department says
▼ + stars: | 2023-10-20 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +3 min

The Education Department confirmed 305,000 student-loan borrowers had payment errors. AdvertisementAdvertisementThousands of student-loan borrowers have faced issues with their payments as they started footing another monthly bill once again. President Joe Biden's Education Department confirmed to Insider on Friday that about 305,000 borrowers have received inaccurate monthly payments from their servicer — less than 1% of the 28 million borrowers entering repayment. After over three years, the student-loan payment pause ended in September when interest started accruing again on federal borrowers' balances. Some borrowers have reported inaccurate bills under the new SAVE income-driven repayment plan, which the Education Department rolled out over the summer to give borrowers more affordable monthly payments.

Persons: servicers, —, Joe Biden's, Ann Currie, Currie, I'm, Miguel Cardona Organizations: Education Department, Service, Joe Biden's Education Department, Department, Bills, Biden, Education

☆ New Student-Loan Forgiveness Plan Could Be Derailed by 2024 Election
▼ + stars: | 2023-10-18 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

AdvertisementAdvertisementPresident Joe Biden's Education Department is in the midst of crafting a new student-loan forgiveness plan for federal borrowers. It's possible Biden's new plan for debt relief wouldn't be carried out until 2025, meaning a Republican candidate for president could win the election and push Biden's relief efforts to the side. The same day as the high court's ruling, the Education Department launched its new plan: student-debt relief under the Higher Education Act of 1965. Trump also previously called Biden's first debt relief plan an "election enhancing money grab." AdvertisementAdvertisementVivek Ramaswamy, another GOP candidate, called Biden's debt relief efforts a "disaster" that "forces every citizen to pay for anti-American gender-studies majors."

Persons: —, Joe Biden's, Tamy Abernathy, Abernathy, Biden, it's, Ashley Pizzuti, Donald Trump —, Trump's, Trump, Ron DeSantis, That's, Vivek Ramaswamy, Mike Pence Organizations: GOP, Service, Joe Biden's Education Department, Republican, Education Department, Higher, Management, Biden's Education Department, Supreme, Florida Gov Locations: Florida

☆ It doesn't look like broad student-loan forgiveness will happen under Biden's new debt relief plan
▼ + stars: | 2023-10-11 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +6 min

The Education Department confirmed broad-based relief is not on the table. But it's looking at distinct groups of borrowers that could get relief under the Higher Education Act. On October 10 and 11, a group of selected negotiators met with Education Department officials to discuss what student-loan forgiveness under the Higher Education Act should look like. Abernathy said that instead the department would look at more specific waivers allowing at least some debt forgiveness for targeted groups. What I'm saying is that there are many moving pieces and parts of this and the categories for which we are presenting and we end up crafting those regulations could cancel some borrowers' debt completely, but it could not cancel all borrowers' debt completely."

Persons: —, Joe Biden's, Tamy Abernathy, Abernathy, Pell Grant, We're Organizations: Education Department, Higher, Service, Joe Biden's Education Department, Supreme, The Education Department, Public, Management

☆ How student-loan borrowers can help craft Biden's new plan for broad debt cancellation
▼ + stars: | 2023-10-10 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

The Education Department is beginning negotiations for its new broad student-debt relief plan. Borrowers can submit a request to comment on the negotiations at the end of each day. AdvertisementAdvertisementPresident Joe Biden's Education Department is about to embark on its next step to enact broad student-loan forgiveness. At the end of September, the Education Department released new details on what the negotiation sessions will look like. AdvertisementAdvertisementThe Education Department is aware of the challenges borrowers are facing — but there's no clear timeline for when the issues will be resolved.

Persons: —, Joe Biden's, they've, I've, Miguel Cardona Organizations: Department, Service, Joe Biden's Education Department, Higher, Education Department, Management, Federal Register

☆ Do not make student-loan payments if you're in one of these 3 groups of borrowers
▼ + stars: | 2023-10-10 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

AdvertisementAdvertisementStudent-loan payments have resumed, but not all federal borrowers should be making payments. However, it's in some borrowers' best interests to not make payments — even if their servicer has given them a billing statement. While borrowers can submit those claims individually, the Education Department has also announced relief for groups of defrauded borrowers without them needing to take any action themselves. AdvertisementAdvertisementIf borrowers received notice of relief but are still in repayment status, they can contact their servicer, or Federal Student Aid's ombudsman. However, interest will still accrue during that time, and the Education Department cannot control how credit scoring companies interpret the missed payments.

Persons: —, Joe Biden's, servicers Organizations: Service, Joe Biden's Education Department, Education Department, Corinthian Colleges Locations: it's, Cardona

☆ 125,000 student-loan borrowers are getting $9 billion in debt wiped out through a series of Biden's repayment reforms
▼ + stars: | 2023-10-04 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

The Education Department announced $9 billion in student-debt relief for 125,000 borrowers. It impacts borrowers in public service, on income-driven plans, and those with total and permanent disabilities. AdvertisementAdvertisementPresident Joe Biden's Education Department just announced its latest batch of student-debt relief for targeted groups of borrowers. On Wednesday, the department announced that it has approved $9 billion in debt cancellation for 125,000 borrowers. That included a one-time account adjustment for borrowers on income-driven repayment plans and PSLF — most recently, the department announced it had approved relief for 804,000 borrowers on income-driven repayment.

Persons: —, Joe Biden's, Biden, Miguel Cardona, Harris, It's, they're, Education James Kvaal, he's Organizations: Education Department, Service, Joe Biden's Education Department, Public, Social Security Administration, Biden, Education

☆ The 5 groups of student-loan borrowers Biden is targeting for his new broad debt cancellation plan
▼ + stars: | 2023-10-02 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

The Education Department is moving forward with its new plan for broad student-debt relief. Last week, the Education Department released new details on the process to cancel student debt using the Higher Education Act of 1965. However, it indicates how Biden is thinking about his new plan for relief by targeting borrowers who have struggled with repayment to no fault of their own. Additionally, there is no guarantee borrowers who qualified for Biden's first debt relief plan will qualify this time around. The progress toward new debt relief comes as millions of federal borrowers are entering repayment after an over three-year pause.

Persons: —, Joe Biden's, Biden's, Biden, Pell Grant, Alexandria Ocasio, Cortez Organizations: Department, Service, Joe Biden's Education Department, Education Department, Higher Locations: Alexandria

☆ A government shutdown won't stop the student-loan payment restart — but an extended one could jeopardize resources for borrowers who need help
▼ + stars: | 2023-09-29 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

A shutdown would occur the same day student-loan payments resume. The Education Department said resources for borrowers will be available the first few weeks of a shutdown. AdvertisementAdvertisementPresident Joe Biden's Education Department is clear: government shutdown or not, student-loan payment are resuming on October 1. A shutdown could also happen at a critical time for millions of student-loan borrowers. However, amid calls from some Democratic lawmakers and advocates to pause payments in the event of a shutdown, the Education Department confirmed payments are still set to resume.

Persons: doesn't, —, Joe Biden's, Biden, servicers, Ayanna Pressley Organizations: Education Department, Service, Joe Biden's Education, Conservative, Democratic, Republicans, Federal, Aid, Management, Education

☆ Biden's Education Department is taking the next step to get broad student-loan forgiveness to millions of borrowers. Here's what you need to know.
▼ + stars: | 2023-09-29 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

The Education Department announced it's moving forward with the broad student-debt relief process. AdvertisementAdvertisementPresident Joe Biden's Education Department just took the next step on its second attempt to get broad student-debt relief to millions of borrowers. On Friday, the Education Department released a paper outlining what it is considering as it develops its new plan for broad student-loan forgiveness. AdvertisementAdvertisement"The Biden-Harris Administration has taken unprecedented action to fix the broken student loan system and deliver record amounts of student debt relief," Education Secretary Miguel Cardona said in a statement. "Now, we are diligently moving through the regulatory process to advance debt relief for even more borrowers.

Persons: —, Joe Biden's, Harris, Miguel Cardona, I'm Organizations: Education Department, Service, Joe Biden's Education Department, Higher, Biden, Harris Administration, Black Colleges, Universities

☆ Student-loan borrowers have a new safeguard in place to ensure their debt doesn't pile up once they graduate
▼ + stars: | 2023-09-27 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

The Education Department released its final version of the gainful employment rule. AdvertisementAdvertisementPresident Joe Biden's Education Department has released its final rule to keep student debt from spiraling after a borrower graduates. On Wednesday, the Education Department announced its final version of the gainful employment rule. However, advocates and Democratic lawmakers have previously pushed for a strengthened gainful employment rule to protect borrowers. This includes the most effective gainful employment rule in history," Cardona said.

Persons: —, Joe Biden's, Barack Obama, Donald Trump, Education James Kvaal, Jason Altmire, Altmire, Aaron Ament, Miguel Cardona, " Cardona Organizations: Education Department, Service, Joe Biden's Education Department, Education, Education Colleges, Universities —, Department, Democratic, Student Defense

☆ 1,200 student-loan borrowers are getting $37 million in debt wiped out after being 'brazenly deceived' by the University of Phoenix, Biden's Education Department says
▼ + stars: | 2023-09-20 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

1,200 student-loan borrowers who attended University of Phoenix are getting $37 million in debt relief. On Wednesday, President Joe Biden's Education Department and Federal Trade Commission announced that 1,200 borrowers who attended University of Phoenix will be getting $37 million in debt relief. Phoenix students who were enrolled between September 21, 2012, and December 31, 2014, and submitted claims, are included in this batch. The Education Department said it will begin notifying borrowers in early October that their borrower defense claims have been approved. Over the past months, the Education Department has taken a series of actions to assist defrauded borrowers.

Persons: Joe Biden's, University of Phoenix brazenly, Richard Cordray, Ashford Organizations: University of Phoenix, Education Department, Service, Joe Biden's Education Department, Federal Trade Commission, Phoenix, Aid, FTC, University, Ashford University, San Locations: Phoenix, Wall, Silicon, San Diego

☆ Relief could be on the way for student-loan borrowers who paid one of the 52 companies suspected of 'falsely promising' them loan forgiveness, Minnesota's attorney general says
▼ + stars: | 2023-09-11 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

Minnesota AG Keith Ellison opened investigations into 52 student-debt relief companies. He said those companies are suspected of "falsely promising" loan forgiveness to borrowers for fees. Should the investigations find wrongdoing, impacted borrowers could receive relief. Last week, Minnesota Attorney General Keith Ellison announced that his office has opened investigations into 52 student-debt relief companies "suspected of violating Minnesota law," according to the press release. The FTC had previously halted operations of two different debt relief companies that scammed borrowers out of $8.8 million under the guise of debt relief.

Persons: Keith Ellison, California —, Ellison, Joe Biden's, servicers Organizations: Service, Minnesota, Joe Biden's Education, Federal Trade Commission, Justice Department, FTC, Consumer Financial Protection Locations: Minnesota, Wall, Silicon, California

☆ 2,300 student-loan borrowers are getting $72 million in debt wiped out after being 'cheated' by their school, Biden's Education Department says
▼ + stars: | 2023-08-30 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +5 min

The Education Department announced $72 million in student-debt relief for 2,300 borrowers. On Wednesday, President Joe Biden's Education Department, along with California Attorney General Rob Bonta, announced it was canceling $72 million in student debt for 2,300 borrowers who it said were "cheated" by Ashford University, an online for-profit school based in San Diego. In 2022, a judge ruled that Ashford made 1.2 million misrepresentations to students and faced a civil penalty of $22.3 million. I want to thank the Biden-Harris Administration for changing the lives of thousands of former Ashford students today. Since Biden took office, his Education Department has taken a number of steps to provide debt relief to targeted groups.

Persons: Joe Biden's, Rob Bonta, Bonta, Harris, Ashford, Biden Organizations: Education Department, Ashford University, Service, Joe Biden's Education Department, California Department of Justice, Ashford, Biden, Harris Administration, Department Locations: Wall, Silicon, California, San Diego, Ashford, Zovio, Colorado, CollegeAmerica

☆ 2 companies scammed student-loan borrowers out of $8.8 million in 'illegal' fees over 'phony promises of loan forgiveness and lower monthly payments,' a federal watchdog says
▼ + stars: | 2023-08-21 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +3 min

The FTC accused two companies of scamming student-loan borrowers out of $8.8 million. The FTC said they pocketed "illegal" fees for debt relief services that are normally free. A federal court halted the operations of the companies last week, and it will determine whether they violated the law. Biden's administration has previously warned borrowers to keep an eye out for scams, especially with confusion surrounding the debt relief conversation. Nearly a year ago, the Education Department announced up to $20,000 in debt relief for federal borrowers.

Persons: Joe Biden's, Samuel Levine, Pell Grant Organizations: FTC, Service, Federal Trade Commission, Intercontinental Solutions, Joe Biden's Education Department, Education Department, FTC's Bureau, Consumer Locations: Wall, Silicon

☆ A $49,000 monthly student-loan bill and incomplete debt relief: Borrowers are facing confusion as repayment looms
▼ + stars: | 2023-08-20 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +8 min

Some student-loan borrowers are running into hurdles leading up to the payment resumption. Insider spoke to borrowers with inaccurate monthly statements and incomplete debt relief. Jess's incorrect monthly payment statement is just one of the challenges borrowers are facing as President Joe Biden's Education Department and federal student-loan companies work to transition millions of borrowers back into repayment. This announcement was part of the department's one-time account adjustment to get relief to borrowers who have reached the repayment threshold. "Right now, House Republicans are pursuing an appropriations bill that cuts $22.5 BILLION from education," Education Secretary Miguel Cardona wrote on X last month.

Persons: Jess, couldn't, Jess —, —, she's, there's, Joe Biden's, Scott Buchanan, servicers —, Buchanan, we've, Karin Smith, Smith, I'm, It's, haven't, Miguel Cardona Organizations: Service, Joe Biden's Education Department, Student Loan, —, Education Department, The Education Department, House Republicans, Republican Locations: Wall, Silicon

☆ A student-loan company's 'history of mismanagement' is putting millions of borrowers in public service at risk with payments about to resume, 2 Democratic lawmakers say
▼ + stars: | 2023-08-17 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

Reps. Katie Porter and Joe Courtney sent a letter to student-loan company MOHELA on Tuesday. They asked how the company is using its resources to manage the Public Service Loan Forgiveness portfolio. Borrowers have reported difficulty getting help from MOHELA during the payment pause. On Tuesday, Reps. Katie Porter and Joe Courtney sent a letter to Scott Giles, the CEO of student-loan company MOHELA, which manages the Public Service Loan Forgiveness portfolio. Nelnet, another student-loan company, announced in March that it was cutting its call center hours and laying off 550 employees likely due to budget constraints.

Persons: Katie Porter, Joe Courtney, MOHELA, haven't, Scott Giles, Joe Biden's, Porter, Courtney, Giles, Nelnet, — Organizations: Public, Service, Democratic, MOHELA, Joe Biden's Education Department, Department, —, Education Department Locations: MOHELA, Wall, Silicon, PSLF

☆ Thousands of student-loan borrowers celebrating Biden's latest debt relief might have to pay taxes on it in these 5 states
▼ + stars: | 2023-08-17 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +3 min

Biden recently announced student-debt relief for over 800,000 borrowers on income-driven repayment. The American Rescue Plan said debt relief will not be subject to federal taxes through 2025. While most states adopted the same guidance, some states could tax the latest relief. However, states can choose whether to craft their tax laws in accordance with federal law — and while most states have chosen not to tax debt relief, some have. Along with the varying state laws, the blog said that borrowers who receive debt relief through Public Service Loan Forgiveness are exempt from taxes, along with those who receive relief if their school closed down.

Persons: Biden, Joe Biden's, — Organizations: American, Plan, Service, Joe Biden's Education Department, of Education, Mississippi North Carolina Indiana Wisconsin, Arkansas Revenue, Tax Foundation, Public Locations: Wall, Silicon, Mississippi North Carolina, Mississippi North Carolina Indiana Wisconsin Arkansas

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