President Donald Trump is revamping the Public Service Loan Forgiveness program, sparking concerns it could become a tool for political retribution.

Between collections resuming, courts challenging student loan programs and layoffs in the Education Department, borrowers might be confused about the status their student loans.

Starting next month, the Education Department says student loans that are in default will be referred for collections.

Interest on federal student loans has started accumulating again after a three-year pause because of the COVID-19 pandemic.

The Supreme Court has ruled the Biden administration overstepped its authority in trying to cancel or reduce student loan debt, effectively killing the $400 billion plan.

An estimated 43 million borrowers who could have seen their student loan balances decreased or erased will now resume their original payments in the fall, following the Supreme Court’s decision to strike down the Biden administration’s debt forgiveness plan.

Still, the student loan repayment system is complex. Here's what you need to know about who qualifies and how it works with existing loan forgiveness plans:No, you don’t need to request a forbearanceThe legislation made the suspension of payments automatic. That includes loans known as Direct federal loans, as well as PLUS loans that parents may have taken out on behalf of their children. A benefit for those seeking loan forgivenessThere's a bonus for those borrowers who were already enrolled in the Public Service Loan Forgiveness program or another federal forgiveness plan. The Public Service Loan Forgiveness program requires 120 monthly payments before borrowers see their remaining debt wiped away.