Good News for Borrowers: Debt Relief Restarts

Good News for Borrowers: Debt Relief Restarts — and this time, it’s official. The U.S. Department of Education and the American Federation of Teachers have reached an agreement to resume loan-forgiveness programs that were previously blocked. This update marks a turning point for millions of borrowers who have waited years for relief under the Pay As You Earn (PAYE) and Income Contingent Repayment (ICR) plans. More than 2.5 million borrowers are now expected to qualify for full loan forgiveness through these reinstated programs. For many, this long-delayed decision means finally receiving the debt relief they were promised after faithfully making qualifying payments for years. “The U.S. Department of Education has agreed to follow the law and deliver congressionally mandated affordable payments and debt relief to hard-working public service workers across the country.”

— Winston Berkman-Breen, Legal Director of Protect Borrowers// Why This Matters Forgiveness is back on the table. Borrowers enrolled in PAYE and ICR may now see the remainder of their balances wiped away after years of on-time payments.

More than 2.5 million borrowers benefit. The scale of this decision offers long-awaited hope for millions who have remained patient during policy delays and litigation.

Tax relief included. Debt forgiven this year under the agreement will not count as taxable income at the federal level.

Public-service workers stand to gain the most. Teachers, healthcare professionals, and government employees could see their remaining loan balances fully discharged.

What Borrowers Should Do Now If you’ve been enrolled in an income-driven repayment plan but haven’t seen progress toward forgiveness, this is the time to act. Confirm your repayment plan, review your payment count, and ensure your documentation is accurate and current. Being proactive now could make the difference in how quickly your forgiveness is processed. How TitanPrep Can Help At TitanPrep, we specialize in helping borrowers navigate these programs with accuracy and confidence. Our team can:

• Review your file and repayment plan to confirm eligibility for forgiveness.

• Prepare and submit required documentation to ensure your file is complete.

• Track your account status and maintain detailed records on your behalf.

• Communicate directly with the Department of Education for timely updates.

TitanPrep’s clients have already achieved extraordinary results — over 1,700 borrowers discharged and more than $118 million in total loan balances forgiven through the Department of Education. Our expertise ensures that no eligible borrower misses this opportunity.

Call (800) 547-2258 today to find out if you qualify for forgiveness under the reinstated programs.Hope has returned for millions of borrowers. Let TitanPrep help make sure you’re one of them.