Federal student loan borrowers who enrolled in President Biden’s SAVE income-driven repayment plan have been in an interest-free forbearance for nearly a year.

The act only leaves borrowers with a standard repayment plan, which includes 10-25 years of repayments depending on the loan amount, and a new Repayment Assistance Plan (RAP), which takes into account a person’s income but lengthens the amount of time spent on repayment.