It's estimated that more than one million borrowers will qualify for monthly payments of zero, based on their incomes.
As long as borrowers make monthly payments, interest will not accumulate, unlike it did in the past.
Married couples filing separately will also have their spouse excluded from their family size in the calculation, which can help lower monthly payments. Once enrolled, it makes the loan current again, wipes the default off the borrower's credit report, and allows them to enroll in an income-driven repayment plan, which could lower the payment.
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