Student-debt relief is in limbo for borrowers pursuing a major forgiveness program for public servants

Student-loan borrowers are facing delays getting relief through the Public Service Loan Forgiveness program. nirat/Getty Images Student-loan borrowers have reported delays with Public Service Loan Forgiveness processing.

Some have made the required amount of payments, but are waiting for the relief to be reflected.

At the same time, PSLF eligibility is facing ongoing litigation.

A major student-loan forgiveness program is facing changes — and delays.

Student-loan borrowers pursuing Public Service Loan Forgiveness, which forgives student debt for government and nonprofit workers after 10 years of qualifying payments, have found that their payment count er s have not updated to reflect payments that put them at the forgiveness threshold.

For example, some borrowers who made their 120th payment over the past few months are still waiting for their payment counter on Federal Student Aid to reflect that they qualify for relief.

The delay means borrowers must choose between continuing to make payments they might not owe or stopping payments and risking being flagged for delinquency.

The Education Department did not comment on the delay or when it will be resolved, and a spokesperson said that the agency "remains committed to ensuring that every qualifying payment is properly credited to a borrower's account." The processing delays are not the only challenge borrowers pursuing PSLF face.

President Donald Trump's student-loan repayment overhaul implemented stricter rules on determining a qualifying PSLF payment, and the Department of Education is fighting in court to implement its plan to narrow eligibility for the program.

Some borrowers also had some of their PSLF payments rescinded , which the administration cited to code errors.

Beyond PSLF, borrowers have been navigating Trump's overhaul and the higher bills it has brought.

The administration has said that its changes are intended to simplify a complex repayment system and compel colleges to lower their tuition.

Still, borrowers have reported administrative errors and inaccurate account statuses, putting their budgets in limbo.

Ayelet Sheffey covers all things student debt, from the latest Education Department news to stories of borrowers navigating their loans.