Student loans and repayments remained stable through the end of last year. That’s the headline from the latest New York Federal Reserve report.

Not terrible news, and yet student loan experts aren’t celebrating. They’re bracing for bad news to come.

There are a few reasons the total $1.6 trillion in U.S. student loan debt hasn’t gone up much: Biden-era forgiveness programs are one. A decline in higher education enrollment is another.

 

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