Millions of borrowers will soon lose access to critical federal student loan forgiveness programs under the “Big, Beautiful Bill” unless they take certain steps.

Andrea Murzello has a doctorate in pharmacy and a stable job at a nonprofit. But she says she can’t afford to grow her family — not under the Trump administration’s latest student loan policy shift.

The Department of Education has paused the Income Based Repayment plan in another significant move that alters the student loan repayment process.