Income-Driven Repayment Plans Biden Administration Moratorium Refusal to Pay Debt Elimination Monthly Payments Interest Accrual Loan Servicing Government Funding Battles On-Ramp Program Covid Pandemic-Era Pause Loan Payment Resumption COVID-19 Pandemic Missed Payments Borrower Data On-Ramp Period Relief Measures Servicer Accountability Borrower Default Income-Driven Repayment Plan Government Policy Debt Crisis Resumption