, barring any new legislation. Private lenders have their own rules and don't offer the same types of help as the federal government.
There's no way to know whether the Biden administration will ultimately offer student loan forgiveness , which might make it hard to plan for the future. But keeping your federal student loans could help you take advantage of the protections and forbearance available now. If payments resume in 2021 and your income is low, an income-driven repayment plan could help you stay on top of your payments. Income-driven repayment plans reduce payments to a percentage of your income, and some loans can be forgiven altogether after 20 years of payments .
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