学生贷款借款人正面临一项重要贷款豁免计划的延迟问题。申请“公共服务贷款豁免计划”（PSLF）的借款人反映，过去几个月支付的贷款款项未能被计入其豁免进度。该计划要求政府和非营利机构雇员在连续10年完成符合条件的还款后，可免除学生债务。受影响的借款人表示，他们已完成了第120笔还款，但目前仍在等待豁免流程的完成。
Student-loan borrowers are facing delays in a major forgiveness program. Borrowers pursuing the Public Service Loan Forgiveness program have reported delays in seeing payments made over the past few months count toward their progress. PSLF forgives student debt for government and nonprofit workers after 10 years of qualifying payments, Affected borrowers said they made their 120th payment and are waiting for their relief to be processed. A notice one borrower received from Federal Student Aid, reviewed by Business Insider, said that payment counts on the dashboard "have been temporarily paused due to data issues causing count fluctuations."
《商业内幕》查阅的一份来自联邦学生援助办公室的通知称，借款人账户面板中的还款记录“因数据问题导致统计波动，目前已暂时暂停”。通知写道：“还款记录目前处于静态，待相关问题解决后，相关更新或通知将恢复。”美国教育部发言人未回应有关该通知准确性的提问。此前，该发言人曾表示，教育部“始终致力于确保每笔符合条件的还款都能正确计入借款人的账户”。
"Payment counts are currently static, and updates or correspondence related to these counts will resume once the issues are resolved," the notice said. An Education Department spokesperson did not respond to questions about the accuracy of the notice. The spokesperson previously said that the department "remains committed to ensuring that every qualifying payment is properly credited to a borrower's account." Borrowers can request a forbearance if they do not want to continue making payments, though interest will still accrue.
如果借款人不想继续还款，可以申请暂缓还款，但利息仍会持续累积。除了还款记录延迟统计外，PSLF“买回计划”的申请也存在持续积压。该计划允许借款人在满足豁免门槛的情况下，“买回”此前处于宽限期或暂缓还款期的月份。根据美国教育部最新的状态报告，截至2026年4月30日，仍有8.8万份“买回计划”申请待处理。
In addition to delayed payment counts, there's a continued backlog of applications for the PSLF Buyback program. This allows borrowers to "buy back" any months spent in deferement or forbearance, if those months would put them at the relief threshold. According to the Education Department's latest status report, there were 88,000 pending Buyback applications as of April 30, 2026. The department wrote in the report that some borrowers have submitted multiple Buyback requests, "which inflates the number of pending requests."
教育部在报告中指出，部分借款人提交了多份“买回”申请，“这导致待处理申请数量被人为夸大”。除PSLF外，许多借款人在应对唐纳德·特朗普总统于7月1日生效的还款改革方案时也面临困难，包括收到错误的账单以及误认为其账户存在逾期还款的通知。
Beyond PSLF, many borrowers have struggled to navigate President Donald Trump's repayment overhaul, which took effect July 1. Borrowers have received incorrect billing statements and erroneous notices saying their accounts were delinquent.
一些借款人还发现他们朝着公共服务贷款豁免（PSLF）计划累积的合格还款次数被扣减了，教育部将此归咎于拜登政府时期的编码错误。不断出现的系统故障和混乱已促使近100个组织呼吁议员们进行“紧急”监督，以确保借款人在还款改革生效时不会受到损害。这些团体表示：“联邦学生贷款系统正在同时经历几项激烈的变革。”您有关于学生贷款的故事想要分享吗？请通过 asheffey@businessinsider.com 联系本记者。
Some borrowers also had some of their qualifying payments toward PSLF removed, which the Education Department attributed to Biden-era coding errors. The ongoing glitches and confusion have prompted nearly 100 organizations to call on lawmakers for "emergency" oversight to ensure borrowers are not harmed as the repayment changes take effect. "The federal student loan system is undergoing several drastic changes all at once," the groups said. Have a story to share about student loans? Contact this reporter at asheffey@businessinsider.com.