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Hello everyone. I'm Kimberly Adams. Welcome back to Make Me Smart, where none of us is as smart as all of us.

For many federal student loan borrowers, the past few years probably felt like whiplash. You had the Biden

administration attempting to pass the sweeping student loan forgiveness and create more affordable repayment options,

but most of those ended up struck down or held up in court. As a result, many borrowers

haven't had to make a payment in years. And then the one big beautiful bill act passed last year

is set to overhaul the repayment system this year. So where we stand is a little bit confusing and it matters whether you have student loans or not. So here to make us smart about all of this is Betsy Mayotte, founder and president of the nonprofit, the Institute of Student Loan Advisors. Welcome to the show, Betsy. Thank you. So like I said, the past several

years have been kind of chaotic in the world of federal financial aid. What have you been hearing

from student loan borrowers about this? Confusion, anxiety, feeling sort of stuck because they don't know what to do to successfully manage their

loans because of all the changes and is there going to be more changes?

So one of the developments that's been in the news for quite a bit was this Biden-era

save program and now that that program is ending.

Can you tell us a bit about the program and what it means for, I guess there's what,

seven million borrowers still enrolled in the program?

...