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Quite a few commenters felt that necessitating a borrower to doc their earnings for previous durations to get capture-up credit would make an administrative load to the borrower, and also the Section. These commenters further recommended that we on a yearly basis notify borrowers if they may have suitable intervals of deferment and forbearance for

1 commenter believed that our proposed improvements towards the IDR plan give undergraduate borrowers a grant instead of a loan. This commenter asserted that It might be far better to deliver the money upfront as grants, which may positively effects access, affordability, and achievements.Some commenters argued that borrowers who may have undergrad