Implications of student debt provisions in the July 4, 2025, Tax Bill

Ten comments on Trump’s approach to student debt

Key Findings:

· Trump and previous student loan systems both force people to “choose” the affordable IDR option

· Lifetime payments of all IDR options and the likelihood of a timely discharge remain uncertain

· Future student loan discharges are likely to be subject to federal income tax

· Loans under Trump’s RAP program will not negatively amortize, a majo…