Many borrowers say their student loan payments cut into their spending and leave less to save for emergencies and retirement.Credit: Getty Images KEY TAKEAWAYS Borrowers have faced long waits for decisions on Public Service Loan Forgiveness and income-driven repayment forgiveness applications. The backlog of income-driven repayment plan transfer applications has shrunk significantly. Faster processing matters for the millions of borrowers who must leave the now-defunct Saving on a Valuable Education ...