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Shutdown Stalls AFT Student-Loan Lawsuit, Putting Forgiveness Timelines at Risk

The stay freezes a key push to accelerate IDR and PSLF processing before tax-free treatment expires in 2025.

Overview

  • A federal judge stayed the AFT’s case until Congress restores Justice Department funding, canceling an Oct. 31 hearing on a preliminary injunction and class certification.
  • The Education Department has begun emailing IBR forgiveness approvals with an Oct. 21 opt-out, but the notices say discharges will occur over months, creating timing risks during the shutdown.
  • September court filings show 1,076,266 pending income-driven repayment applications and more than 74,000 PSLF Buyback requests awaiting review.
  • The American Rescue Plan’s tax exclusion for IDR cancellations ends on Jan. 1, 2026, so delays that push discharges into next year could trigger federal tax bills.
  • Recent reductions-in-force affecting over 4,100 federal workers end agency loan-repayment assistance and pause PSLF credit unless laid-off employees find another qualifying employer.