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Default Government Policy Income-Driven Repayment Plans SAVE Plan Biden Administration 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 Debt Crisis Federal Student Loans Borrower Engagement Defaulted Loans Income-Driven Repayment Government Policies Delinquency Rates Loan Default Borrowing Limits Interest Rates Delinquencies Fraud Resumption Wage Garnishment Refusal to Pay Moratorium Debt Elimination Monthly Payments