End loan forgiveness and expect borrowers to repay
What the document says“Borrowers should be expected to repay their loans.”
The chapter says the Administration must end what it calls the practice of treating the federal student loan portfolio as a campaign fund to curry political support, and must end abuses in the loan forgiveness programs. It separately asks that existing income-driven repayment plans be phased out and replaced with a single plan exempting income up to the poverty line and requiring payments of 10 percent above it.
What the document actually says“Borrowers should be expected to repay their loans.”
People who borrow should be expected to pay it back.
Students borrow money for college. Some plans cancel part of the debt. The book says that should stop. It says borrowers should repay.
William D. Ford Federal Direct Loan (Direct Loan) Program
2025-10-31 · 90 FR 48966
The Education Department's final regulations of October 31, 2025 rewrite the Public Service Loan Forgiveness rule to exclude employers that engage in enumerated illegal activities such that they have a substantial illegal purpose, and state the aim as keeping taxpayer dollars from subsidizing them. That answers the chapter's demand to end what it calls abuses in the loan forgiveness programs, and it carries out Executive Order 14235 of March 7, 2025, which ordered the rewrite. It does not reach the wider proposal: forgiveness itself continues, borrowers keep full credit for work performed until a determination takes effect, an excluded employer can regain eligibility, and nothing in the rule requires borrowers generally to repay what they owe.
A rule of October 31, 2025 rewrites the loan forgiveness plan for public work. Some employers are cut out of it, those found to have a large illegal aim. That ends what the chapter calls abuse. But loan forgiveness goes on, and the rule does not make borrowers in general pay up.