Federal repayment and policy changes
What rule, program, and servicing changes mean for borrowers in practice.
I help journalists, editors, producers, established podcasters, and newsletter writers explain federal and private student loans, repayment, default, settlement, and bankruptcy in plain language.
Student loan lawyer licensed in Missouri since 2014.
Outlet names and links identify unpaid editorial coverage. They do not imply endorsement of Stanley Tate or Tate Law.
Stanley can provide legal and practical context across the student loan lifecycle. Availability depends on the request and deadline.
What rule, program, and servicing changes mean for borrowers in practice.
Eligibility, payment calculations, plan transitions, and forgiveness consequences.
Qualifying employment, payment-count disputes, reconsideration, and program changes.
Rehabilitation, consolidation, wage garnishment, Treasury offset, and collection defenses.
Repayment constraints, consolidation choices, and family-level consequences.
Default, negotiation, settlement factors, litigation, and cosigner issues.
Adversary proceedings, undue-hardship standards, and current government guidance.
Account errors, processing delays, credit reporting, and borrower-facing consequences.
Selected interviews and expert commentary. Outlet names and logos identify unpaid editorial coverage and do not imply endorsement.
Use Tate Law's source-backed student loan debt statistics for current figures, methodology notes, primary sources, and downloadable CSV and JSON data.
$1.724T; 42.6M unduplicated recipients
FY2026 Q2, quarter ended Mar. 31, 2026
Federal Student Aid Data Center portfolio summary FSA reports 42.6M unduplicated recipients, a student-benefited count that is not always the same as unique borrowers.$1.858T
2026 Q2 / June 2026
Federal Reserve G.19 consumer credit release Broader Federal Reserve series with a different universe than FSA's federal portfolio; do not add it to the FSA number.$1.651T
2026 Q2
Quarterly Report on Household Debt and Credit, 2026 Q2 Do not use as the federal total; this is student debt held by households in NY Fed household-debt data.These assets may be used editorially in coverage involving Stanley Tate or Tate Law. Do not materially alter them or imply endorsement. No photographer credit is required. Clear unusual uses through media@tateesq.com.
Stanley Tate is a student loan lawyer and the founder of Tate Law. Licensed in Missouri since 2014, he focuses on student loan repayment, default, settlement, and bankruptcy. He regularly explains complex student loan rules and borrower consequences for journalists, professional groups, and the public.
Stanley Tate is a student loan lawyer and the founder of Tate Law, a practice focused on helping borrowers navigate federal and private student loans. Licensed in Missouri since 2014, he works on repayment strategy, income-driven repayment, Public Service Loan Forgiveness, default and collections, private-loan settlement, and student loan discharge in bankruptcy. Stanley translates policy and legal changes into practical consequences for borrowers and families. He has provided expert commentary to national publications and has spoken to legal and financial professional groups about student loan law. Journalists may contact him for on-the-record interviews, background, fact-checking, written statements, broadcast appearances, and recorded podcasts, subject to availability and deadline.
Outlet names linked elsewhere on this page are proof only and are not part of the downloadable Tate Law press kit.
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