Image:  While President Biden’s one-time student loan forgiveness plan remains tied up in the U.S. Supreme Court, the Education Department is working on a more far-reaching and costly plan to overhaul how people pay back their loans. The overhaul of the department’s income-driven repayment program, which bases monthly payments on an individual’s income and family size, would cut payments in half for undergraduates, with a cap of 5 percent on a borrower’s discretionary income. Those who...


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