If your federal student loan hasn't yet entered repayment, you won't be eligible to enroll in a repayment plan yet. Repayment starts six months after graduation or if your enrollment drops below half-time, unless you enroll in another program, like graduate school, before the grace period ends.

After a federal court upheld a pause on the SAVE plan, the Education Department removed other income-driven repayment applications from its website.

SAVE plan litigation is still ongoing, and borrowers could see higher payments for missing payment plan recertification deadlines.

KEY TAKEAWAYS The Department of Education closed all online applications for Income-Driven Repayment (IDR) plans and loan consolidation.This was likely in response to a lawsuit challenging the Department of Education's authority to develop repayment plans that forgive student loans.