If you’re anxious about student loan repayment, you’re not alone. Research shows that borrowers have higher levels of anxiety and depression and may even delay life milestones like marriage or buying a home when worried about repayment.
Uncertainty is Fueling Student Borrower Anxiety
With student loan repayment entering another period of major change, you may be feeling extra anxious, not knowing what to expect. In fact, according to a report from the Student Debt Crisis Center and Civic Nation, 73% of borrowers associate student debt with stress, anxiety, and depression.
Under new student loan rules, the SAVE plan, which offered low or $0 payments and faster forgiveness, is expected to end after legal challenges, requiring about 7 million borrowers to move into new plans that may come with higher payments. Congress is also phasing out some income-driven options and introducing two new plans in July 2026, while tightening graduate and Parent PLUS borrowing limits. With wage garnishment set to resume for borrowers in default, now is a critical time for borrowers to review their repayment options and seek guidance if needed.
Expert Student Loan Repayment Guidance Can Help
If you’re already behind in payments, trying to avoid default, or need help understanding your options, student loan counseling through a certified credit counseling agency can help. Through student loan counseling, you’ll get a comprehensive analysis of your student loan situation, including all repayment and forgiveness options. Counselors will provide recommendations you can trust based on your financial goals.
Working with a counseling agency means there are no upfront fees, and you’ll receive guidance from experienced professionals who can help you avoid delinquency and choose a repayment plan that fits your financial goals.
Now more than ever, having a clear plan can replace uncertainty with confidence and help you move forward with peace of mind.