Student Loan Initiative | The Pew Charitable Trusts

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But much work remains to ensure that borrowers fully benefit from these new policies, especially those who struggle to repay their loans. 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<div id="local-navigation__pop-out-menu" class="local-navigation__pop-out-menu"> <ul class="local-navigation__menu-header-list js-local-nav-headers" role="listbox" aria-labelledby="local-navigation-button-label"> <li class="local-navigation__menu-h2 js-local-nav-header-link local-navigation__is-current-page" role="option" tabindex="-1" data-link-url="/en/projects/student-loans"> Overview </li> <li class="local-navigation__menu-h3 js-local-nav-header-link " role="option" tabindex="-1" data-link-url="/en/projects/student-loans/meet-the-team"> Meet the Team </li> </ul> </div> </div> <span class="page-toolbar__page-title u-hidden"> Student Loan Initiative </span> </div> </div> </div> </div> </section> <div class="interstitial-popup-wrapper"> <div class="interstitial-popup js-interstitial-popup xdbpe" data-xdbpe="7B8475B2-AA92-4A99-9C54-3C3C05AEB91B" data-model="{"datasourceGuid":"{F12139E3-CF17-45B4-8817-9C2F08B9B5FF}","promoItemPath":"/sitecore/content/PewTrusts_org/Home/Shared 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</figure> </section> <section class="newsletter-signup--promo" data-sitecore-component-name="Newsletter Signup Promo" data-sitecore-data-source="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Newsletter Signup Promos/Interstitial Policy Pulse Economic"> <header class="newsletter-signup__title"> Policy Pulse: Economic Advancement </header> <div class="newsletter-signup__middle-wrapper"> <p class="newsletter-signup__description"> Get monthly data and expert policy recommendations aimed at advancing Americans’ financial security. </p> </div> <form class="newsletter-signup__promo-form js-footer-newsletter-signup" name="etForm" novalidate="novalidate" method="post" action="" target="_blank" ,="" data-component="Interstitial Policy Pulse Economic" data-component-description="Get monthly data and expert policy recommendations aimed at advancing Americans’ financial security." data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Newsletter Signup Promos/Interstitial Policy Pulse Economic"> <div class="newsletter-signup__input-wrapper"> <input type="hidden" class="js-newsletter-signup--mid" name="MID" value="1380145"> <input type="hidden" class="js-newsletter-signup--landingguid" name="LandingGUID" value="5c591a8916642e73ed5d1388faa0b739b2a85feeac00a6b0e24b0732c2222e7c"> <input type="hidden" class="js-newsletter-signup--baseUrl" name="formPostUrl" value="https://cloud.pewtrusts.org/confirmation?guid="> <div class="newsletter-signup__field-wrapper"> <div class="newsletter-signup__email-field"> <div class="newsletter-signup__validation-error elqErrorMessage" name="elqErrorMessage">Please provide a valid email address</div> <div class="newsletter-signup__email-input-wrapper"> <input placeholder="Enter email address" class="newsletter-signup__email-input" name="emailAddress" type="email"> <input class="newsletter-signup__submit-button xdbpe-newsletter" data-xdbpe="F33298DE-AD63-4FB1-93AA-A6DA5FB863F3" value="Submit" type="submit"> </div> </div> </div> </div> </form> </section> </div> </section> </div> </section> </div> </div> <section class="container container--70-30 " id=""> <div class="container__col container__col--70"> <div class="container__inner"> <style type="text/css"> #rte-2d4f1176-2d3b-4412-a117-b4046d6ae526.rich-text > :not(.rich-text__embed) { max-width: 650px !important; } </style> <div id="rte-2d4f1176-2d3b-4412-a117-b4046d6ae526" class="js-selection-sharer rich-text rich-text--Left u-allow-page-break" data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Projects/Student Loans/Components/Rich Text/Body Text"> <h5>Over the past several years, the U.S. Department of Education and Congress have made important policy changes to the federal student loan repayment system.</h5> <p>These include:</p> <ul> <li>Making enrollment and re-enrollment in income-driven repayment (IDR) plans (payments based on income and family size) easier through data sharing between the Internal Revenue Service and the Education Department.</li> <li>Eliminating most instances of interest capitalization, or unpaid interest added to the principal, in IDR.</li> <li>Revising IDR plans to be more affordable and limit balance growth</li> <li>Allowing borrowers with loans in default a “fresh start” at the end of the three-year COVID-related payment pause payment pause that will end in the fall of 2023</li> <li>Awarding new contracts to federal loan servicers.</li> </ul> <div skip="true" class="rich-text__expand-button l-rte-collapse-text"><input type="button" class="rte-expand-button" value="Expand" /></div> <p>But much work remains to ensure that borrowers fully benefit from these new policies, especially those who struggle to repay their loans. And people who find the repayment system overwhelming and have their loans fall into default often end up in a cycle that is difficult to escape and is damaging to their financial well-being.</p> <p>The Pew Charitable Trusts’ student loan initiative seeks—through research, analysis, and engagement—to promote successful repayment of student debt among those most at risk of default and delinquency, and to continue to help improve the federal student loan repayment system. The initiative also seeks to better understand why many veterans borrow to fund their education despite having access to the robust post-9/11 GI Bill.</p> </div> <section class="multi-promo"> <div class="multi-promo__promo-container"> <section class="flexible-promo__outer-wrapper" id="" data-sitecore-component-name="Flexible Promo" data-sitecore-data-source="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/Who Experiences Default"> <section class="flexible-promo__modal-source js-flexible-promo-modal-source"> <a href="/en/research-and-analysis/data-visualizations/2024/who-experiences-default" class="flexible-promo is-left flexible-promo__overlay-text " style="color:#FFFFFF;" data-component-description="Who Experiences Default?" data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/Who Experiences Default"> <div class="flexible-promo__media-wrapper flexible-promo--prefer-aspect-ratio-16x9"> <figure class="flexible-promo__media flexible-promo__media--wide promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/16x9_m.jpg?mw=615&hash=2390CB9F4BD1458D1EFE9D7D439C59B3 1x, /-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/16x9_m.jpg?mw=1230&hash=C5EA6FB0C69216AE179E9C152FF3A9B8 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/16x9_m.jpg?mw=420&hash=DF8652CB17B0AD9B720B184F9DB616FC 1x, /-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/16x9_m.jpg?mw=840&hash=F7BC850F6004F24B5BC38C08FB26EEF6 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/16x9_m.jpg?mw=420&hash=DF8652CB17B0AD9B720B184F9DB616FC 1x, /-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/16x9_m.jpg?mw=840&hash=F7BC850F6004F24B5BC38C08FB26EEF6 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/16x9_m.jpg?la=en&h=346&w=615&hash=AED52374D633A33C2D1F9818A28F7F78" alt=" " title=" " /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <figure class="flexible-promo__media flexible-promo__media--square promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=615&hash=256576C7265C808EBAD4EFE64D479EFA 1x, /-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=1230&hash=63BDBEC2AF789B4D650C8477C3112B22 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=420&hash=BF7F0CC5CCA2E635242F7E93688C75CC 1x, /-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=840&hash=3478921F5CC0638BB46DF9755CBC9C81 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=420&hash=BF7F0CC5CCA2E635242F7E93688C75CC 1x, /-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=840&hash=3478921F5CC0638BB46DF9755CBC9C81 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?la=en&h=615&w=615&hash=7D739E3C45D8AE221E56715481101A44" alt=" " title=" " /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <div class="flexible-promo__quick-view-wrapper"> </div> </div> <div class="flexible-promo__content" style="color: inherit;"> <div class="flexible-promo__content-inner-wrapper flexible-promo--accept-color-overrides"> <div class="flexible-promo__content-typedate-wrapper flexible-promo--accept-color-overrides"> <span class="flexible-promo__content-type">Data Visualization</span> <span class="flexible-promo__content-date">March 1, 2024</span> </div>  <h4 class="flexible-promo__subtitle flexible-promo--accept-color-overrides" id="promo-6db6ddfb-71d7-479e-908c-886ca9764078">Who Experiences Default? </h4>  </div> </div> <div class="flexible-promo__overlay" style="background-image: linear-gradient(to bottom,transparent 0,rgba(0,0,0,.1) 15%,rgba(0,0,0,.2) 30%,rgba(0,0,0,.3) 45%,rgba(0,0,0,.5) 60%,rgba(0,0,0,.6) 75%,rgba(0,0,0,.7) 100%)"></div> </a> <div class="flexible-promo__modal-content js-modal-content"> <span class="flexible-promo__modal-label">Quick View</span> <div class="flexible-promo__modal-inset-wrapper"> <div class="flexible-promo__modal-image"> <figure class="promo__media 1x1 promo-feature-image"> <a href="/en/research-and-analysis/data-visualizations/2024/who-experiences-default"> <picture> <source srcset="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=615&hash=256576C7265C808EBAD4EFE64D479EFA 1x, /-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=1230&hash=63BDBEC2AF789B4D650C8477C3112B22 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=420&hash=BF7F0CC5CCA2E635242F7E93688C75CC 1x, /-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=840&hash=3478921F5CC0638BB46DF9755CBC9C81 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=420&hash=BF7F0CC5CCA2E635242F7E93688C75CC 1x, /-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?mw=840&hash=3478921F5CC0638BB46DF9755CBC9C81 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2024/03/jakeingleeyfdlvvpeyqunsplashjpgmaster/1x1_s.jpg?la=en&h=615&w=615&hash=7D739E3C45D8AE221E56715481101A44" alt=" " title=" " /> </picture> </a> <figcaption class="u-visuallyhidden"></figcaption> </figure> </div> <div class="flexible-promo__modal-content-details"> <div class="flexible-promo__content-typedate-wrapper"> <span class="flexible-promo__content-type">Data Visualization</span> <span class="flexible-promo__content-date">March 1, 2024</span> </div> <p class="flexible-promo__description">According to findings from a 2021 nationally representative survey from The Pew Charitable Trusts, student loan default is quite common. Approximately one-third of federal student loan borrowers surveyed reported experiencing default over the past two decades. Knowing which characteristics or experiences make some borrowers more vulnerable to repayment challenges is crucial to mitigating future repayment struggles.</p> </div> </div> </div> </section> </section> <section class="flexible-promo__outer-wrapper" id="" data-sitecore-component-name="Flexible Promo" data-sitecore-data-source="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/The Student Loan Default Divide Racial Inequities Play a Role"> <section class="flexible-promo__modal-source js-flexible-promo-modal-source"> <a href="/en/research-and-analysis/reports/2024/12/the-student-loan-default-divide-racial-inequities-play-a-role" class="flexible-promo is-left flexible-promo__overlay-text " style="color:#FFFFFF;" data-component-description="Racial Inequities Play a Role in Loan Repayment Challenges" data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/The Student Loan Default Divide Racial Inequities Play a Role"> <div class="flexible-promo__media-wrapper flexible-promo--prefer-aspect-ratio-16x9"> <figure class="flexible-promo__media flexible-promo__media--wide promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/16x9_m.jpg?mw=615&hash=F6064EB15DD41F2E37C48ED63D13BDC6 1x, /-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/16x9_m.jpg?mw=1230&hash=A584AC66813043673E03DB3B0EECC244 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/16x9_m.jpg?mw=420&hash=617E4EE33206B13C147593B574075E33 1x, /-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/16x9_m.jpg?mw=840&hash=67B6EA9A0E5BBE091CBA4EECAB5F8A13 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/16x9_m.jpg?mw=420&hash=617E4EE33206B13C147593B574075E33 1x, /-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/16x9_m.jpg?mw=840&hash=67B6EA9A0E5BBE091CBA4EECAB5F8A13 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/16x9_m.jpg?la=en&h=346&w=615&hash=60C52195D1F3A3EC38FCF9FA36E86AAD" alt=" " title=" " /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <figure class="flexible-promo__media flexible-promo__media--square promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=615&hash=823E18790D4821B4836EDBD4F0824316 1x, /-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=1230&hash=16056ED004B104E5C0BF5C3893B637C4 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=420&hash=1170801EFCC9A2F8A1126E90E2B8D183 1x, /-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=840&hash=B671FFB4597F8D012494D17E12268A15 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=420&hash=1170801EFCC9A2F8A1126E90E2B8D183 1x, /-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=840&hash=B671FFB4597F8D012494D17E12268A15 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?la=en&h=615&w=615&hash=A05024368C6CE346B1A4AF1D8460C9D3" alt=" " title=" " /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <div class="flexible-promo__quick-view-wrapper"> </div> </div> <div class="flexible-promo__content" style="color: inherit;"> <div class="flexible-promo__content-inner-wrapper flexible-promo--accept-color-overrides"> <div class="flexible-promo__content-typedate-wrapper flexible-promo--accept-color-overrides"> <span class="flexible-promo__content-type">Report</span> <span class="flexible-promo__content-date">December 10, 2024</span> </div>  <h4 class="flexible-promo__subtitle flexible-promo--accept-color-overrides" id="promo-e48e951b-fe0d-4234-9a2f-01893f494767">Racial Inequities Play a Role in Loan Repayment Challenges </h4>  </div> </div> <div class="flexible-promo__overlay" style="background-image: linear-gradient(to bottom,transparent 0,rgba(0,0,0,.1) 15%,rgba(0,0,0,.2) 30%,rgba(0,0,0,.3) 45%,rgba(0,0,0,.5) 60%,rgba(0,0,0,.6) 75%,rgba(0,0,0,.7) 100%)"></div> </a> <div class="flexible-promo__modal-content js-modal-content"> <span class="flexible-promo__modal-label">Quick View</span> <div class="flexible-promo__modal-inset-wrapper"> <div class="flexible-promo__modal-image"> <figure class="promo__media 1x1 promo-feature-image"> <a href="/en/research-and-analysis/reports/2024/12/the-student-loan-default-divide-racial-inequities-play-a-role"> <picture> <source srcset="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=615&hash=823E18790D4821B4836EDBD4F0824316 1x, /-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=1230&hash=16056ED004B104E5C0BF5C3893B637C4 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=420&hash=1170801EFCC9A2F8A1126E90E2B8D183 1x, /-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=840&hash=B671FFB4597F8D012494D17E12268A15 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=420&hash=1170801EFCC9A2F8A1126E90E2B8D183 1x, /-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?mw=840&hash=B671FFB4597F8D012494D17E12268A15 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2024/12/gettyimages5379304081jpgmaster/1x1_s.jpg?la=en&h=615&w=615&hash=A05024368C6CE346B1A4AF1D8460C9D3" alt=" " title=" " /> </picture> </a> <figcaption class="u-visuallyhidden"></figcaption> </figure> </div> <div class="flexible-promo__modal-content-details"> <div class="flexible-promo__content-typedate-wrapper"> <span class="flexible-promo__content-type">Report</span> <span class="flexible-promo__content-date">December 10, 2024</span> </div> <p class="flexible-promo__description">Black and Hispanic or Latino student loan borrowers are more likely to have difficulty repaying their loans than their White peers, according to a significant body of research. Both populations of borrowers are also more likely than their White peers to face barriers to completing degrees and have a higher chance than their White peers of experiencing financial difficulty that can put them at risk of falling behind on payments and having their loans end up in default.</p> </div> </div> </div> </section> </section> </div> </section> <div class="dynamic-content-listing__header-container" id=""> <span class="dynamic-content-listing__header-wrapper"> <h3 class="dynamic-content-listing__header">Our Work</h3> </span> <div class="js-dynamic-items-search-facets" data-search-id="search-ec933aec-0a1c-4b47-8ff3-aa050dd13c1d"></div> </div> <div class="js-dynamic-items" data-search-id="search-ec933aec-0a1c-4b47-8ff3-aa050dd13c1d"></div> <script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script><script> // If configuring from Razor, please use a JSON string var config = 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href="/en/research-and-analysis/articles/2024/01/10/new-data-shows-certain-circumstances-may-contribute-to-student-loan-default" class="" target="">Circumstances Driving Student Default</a> </div> </div> <div class="related-resources related-resources--experts"> <span class="related-resources__title"> <span class="related-resources__title-text"> Related Experts </span> </span> <div class="related-resources__people-wrapper" data-component="Related Experts"> <div class="related-resources__expert-wrapper"> <a class="related-resources__image xdbpe" href="/en/about/experts/travis-plunkett" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320"> <img src="/-/media/images/branding-and-banners/experts/pct_travisplunkett/pct_travisplunkett_1x1.jpg?la=en&h=160&w=160&hash=97EE19DE4A2F9BE83E6C0796FAFCF133" class="related-resources__photo" alt="Travis Plunkett" title="Travis Plunkett" /> </a> <div class="related-resources__content-wrapper"> <span class="related-resources__link 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