After a three-year pause prompted by the pandemic, the clock on student loan repayments suddenly started ticking again in September 2023, and forbearance ended last September. For millions of borrowers like Shauntee Russell, the resumption of payments marked a harsh return to financial reality.
Russell, a single mother of three from Chicago, had received $127,000 in student loan forgiveness through the SAVE program, and had experienced profound relief at having that $632 monthly payment lifted from her shoulders. SAVE exemplified both the transformative power of debt relief and the urgent need to continue this fight — but now SAVE has been suspended.
Such setbacks cannot be the end of our story, as I document in my forthcoming book. The resumption of loan payments, while painful, must serve as a rallying cry rather than a surrender. We stand at a critical juncture. The Supreme Court’s devastating blow to former President Biden’s initial forgiveness plan and the ongoing legal challenges to programs like SAVE have left 45 million borrowers in a state of financial limbo. The fundamental inequities of our higher education system have never been more apparent.
Black students graduate with nearly 50 percent more debt than their white counterparts, while women hold roughly two-thirds of all outstanding student debt — a staggering $1.5 trillion that continues to grow. These aren’t just statistics; they represent systemic barriers that prevent entire communities from achieving economic mobility.
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The students I interviewed while reporting on this crisis reveal the human cost of inaction. They include Maria Sanchez, a nursing student in St. Louis who skips meals to save money and can only access textbooks through library loans.
Then there is Robert Carroll, who gave up his dorm room in Cleveland and now alternates between friends’ couches just to stay in school.
These students represent the millions who are working multiple jobs, sacrificing basic needs and seeing their dreams deferred under the weight of financial pressure.
Yet what strikes me most is their resilience and determination. Despite these overwhelming obstacles, these students persist, driven by the same belief that motivated civil rights leaders like Congressman Adam Clayton Powell Jr. — that education is the pathway to economic empowerment and social justice.
The current political landscape, with Donald J. Trump’s return to the presidency and a Republican-controlled Congress, presents unprecedented challenges. Plans to dismantle key borrower protections and efforts to eliminate the Department of Education signal a dark period ahead for student debt relief.
But history teaches us that progress often comes through sustained grassroots organizing and innovative policy solutions at multiple levels of government and society.
State governments have an opportunity to fill the federal void through programs like Massachusetts’ Student Loan Borrower Bill of Rights and Maine’s Student Loan Repayment Tax Credit.
Universities must step up with institutional relief programs, as my own institution, Trinity Washington University, did when it settled $1.8 million in student balances during the pandemic.
The Black church, which has long understood the connection between education and liberation, continues to provide crucial support through scholarship programs. Organizations like the United Negro College Fund, the Thurgood Marshall College Fund and the National Association for Equal Opportunity in Higher Education remain vital pillars in making higher education accessible.
Still, individual, institutional and state efforts, while necessary, are not sufficient. We need comprehensive federal action that treats student debt as what it truly is: a civil rights issue and a moral imperative. The magnitude of the crisis — it affects Americans across every congressional district — creates unique opportunities for bipartisan coalition building.
Smart advocates are already reframing the narrative by replacing partisan talking points with economic arguments that resonate across ideological lines: workforce development, entrepreneurship and American competitiveness on the world stage.
When student debt prevents nurses from serving rural communities, teachers from working in underserved schools and young entrepreneurs from starting businesses, it becomes an economic drag that affects everyone.
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The path to federal action may require creative approaches — perhaps through tax policy, regulatory changes or targeted relief for specific professions — but the political mathematics of 45 million impacted voters ultimately makes comprehensive action not just morally necessary, but politically inevitable.
Student debt relief is not about handouts — it’s about honoring the promise that education should be a ladder up, not an anchor weighing down entire generations; it’s about ensuring that Shauntee Russell’s relief becomes the norm, not the exception. The fight is far from over.
The young activists I met at the March on Washington 60th anniversary understood something profound: Their debt is not their fault, but their fight is their responsibility. They carry forward the legacy of those who came before them who believed that access to education should not depend on one’s family wealth, and that crushing debt should not be the price of pursuing knowledge.
The arc of history still bends toward justice — but in this era of political resistance, we must be prepared to bend it ourselves through sustained organizing, innovative policy solutions and an unwavering commitment to the principle that education is a right, not a privilege reserved for the wealthy.
The resumption of payments is not the end of this story. It’s the beginning of the next chapter in our fight for educational equity and economic justice. And this chapter, like those before it, will be written by the voices of the millions who refuse to let debt define their destiny.
Jamal Watson is a professor and associate dean of graduate studies at Trinity Washington University and an editor at Diverse Issues In Higher Education.
Contact the opinion editor at opinion@hechingerreport.org.
This story about student loan payments was produced by The Hechinger Report, a nonprofit, independent news organization focused on inequality and innovation in education. Sign up for Hechinger’s weekly newsletter.
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