Dec 5, 2025 Failed to save article Please try again What to know if you're a borrower in the process of paying off student debt — from the changes to federal loan forgiveness and income-driven repayment plans to the latest legal proceedings and how they might affect you. (Anna Vignet/KQED) More than 350,000 Californians are now behind on their student loan payments — the highest delinquency rate for any type of debt in over two decades, according to the California Policy Lab.