Do You Still Need a Partial Financial Hardship for IBR or PAYE?

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Издатель Nov 7, 2025

You may have heard that The Education Department officially removed the partial financial hardship (PFH) requirement.

Great news, but many borrowers are still being denied for Income-Based Repayment (IBR) and Pay As You Earn (PAYE) plans. In this video, I explain what the rule change actually means, why servicers are still rejecting applications, and what you can do if your request for IBR or PAYE was denied.

What we cover:
- What a partial financial hardship is and how it used to affect IBR and PAYE
- Why the Education Department removed the PFH requirement
- Why some servicers are still denying IBR applications
- Who’s being affected most by the ongoing PFH issue
- When the Department of Education expects to fix system updates
- How to reapply if you were denied IBR or PAYE before
- What happens to your loans, payments, and interest while your application is pending
- How to submit a paper IDR application to move forward
- What to expect next once the fix is in place

If you were told you don’t “qualify” because you don’t have a partial financial hardship, this video breaks down exactly what’s going on and how to get back on track.

CONNECT WITH STANLEY
Website: https://tateesq.com
LinkedIn: https://www.linkedin.com/in/stanleytate
Book a Call: https://link.tateesq.com/book-a-call-ibr-denials-explained-yt

TEAM
Founder + Host: Stanley Tate
Editor: Patrick Kevin Angeles
Thumbnail Artist: Keanu Rafil

RESOURCES
SAVE, PAYE, ICR Are Dead: What’s Left for Borrowers? https://www.youtube.com/watch?v=L2shOi14jnk&t=801s
Should You Switch From SAVE to IBR? https://www.youtube.com/watch?v=JFhNfM8U4uI
What Happens to IBR and SAVE Borrowers When RAP Starts https://tateesq.com/learn/ibr-save-transition-to-rap
What is a Partial Financial Hardship for Student Loans? https://www.tateesq.com/learn/partial-financial-hardship?category=repayment

TIMESTAMPS
0:00 PFH removed, but denials continue
0:40 Why high-income borrowers want IBR
2:10 What changed in IBR and PAYE
2:54 Why servicers still deny applications
3:40 Who is most affected
4:48 When will the fix arrive
5:21 What to do if you were denied before
6:41 What happens while your application is stuck
8:33 How interest and payments work in limbo
9:32 How to reapply now
10:18 What happens next