Millions of borrowers will soon lose access to critical federal student loan forgiveness programs under the “Big, Beautiful Bill” unless they take certain steps.

Andrea Murzello has a doctorate in pharmacy and a stable job at a nonprofit. But she says she can’t afford to grow her family — not under the Trump administration’s latest student loan policy shift.

You don't have to switch by Aug. 1, but interest will start accruing on your loans on the SAVE plan. Here are your options.