Many student loan holders are in limbo and unable to view their balances or track their payment progress due to the current restructuring within the education department. The tool that was once available to help borrowers track balances and payments is no longer online and the department has said they do not plan to bring it back. Borrowers on the Save plan will need to change plans at some point but no date is set. All others have access to a variety of Income Driven Repayment plans, Income Based Repayment plans, or Income Contingent Repayment plans. A new plan known as the Repayment Assistance Plan is set to be unveiled in July 2026.