Market Update: Student Loan Repayment Impacts

Federal Student Loans: The Return of Delinquency and Its Impact on Lenders

Federal student loan delinquencies began reappearing on credit reports in January 2025 following the end of the on-ramp program. In May, the Department of Education resumed collection efforts — marking a significant shift in the financial landscape for many borrowers.

While most lenders don’t directly finance student loans, the ripple effects are real — especially as borrowers juggle other forms of debt.

Watch the on-demand webinar to explore aspects of this student loan borrower population: who carries this debt, how it intersects with other major consumer credit products, and what their repayment capacities really look like. We break down delinquency trends, highlight at-risk borrower segments and share actionable insights to help you more effectively assess and manage risk in this evolving environment.