The due date for student loan repayments depends on the type of borrower's situation and repayment plan:
- For federal student loans in default, collections resumed on May 5, 2025. Borrowers in default began to be subject to wage garnishment and other involuntary collection efforts starting from that date.
- For borrowers on income-driven repayment (IDR) plans like the SAVE plan, payments are not expected to resume until later in 2025 or more likely mid-2026, due to ongoing legal challenges and extended forbearance policies. The earliest possible restart of payments for SAVE plan borrowers could be late 2025, but mid-2026 is the most probable timeline.
- Interest will start accruing again on August 1, 2025, even though payments may still be deferred for some borrowers.
- For UK student loans, repayments generally start the April after leaving the course if income exceeds thresholds, which vary by plan type. Specific repayment start times depend on the plan, but they usually begin after finishing or leaving education.
In summary, federal student loan borrowers not in default generally do not have a fixed repayment due date yet but can expect payment demands to start by the end of 2025 or most likely mid-2026 for those on income-driven plans like SAVE. Borrowers in default have had repayments due again since May 2025. Interest accrual resumed August 1, 2025 for many. UK borrowers begin repayments mostly after leaving their courses depending on income thresholds.
