Key Takeaways Many federal student loan borrowers have faced difficulties accessing forgiveness this year due to ongoing court cases and changes to the student loan system. However, as the new year begins, the Department of Education has resumed several forgiveness programs that were delayed in 2025. Firstly, before former President Joe Biden left office in January 2025, his administration approved billions of dollars in forgiveness to borrowers through various forgiveness programs, including income-based r ...