Are student loans being forgiven in 2026?
No, federal student loans do not automatically expire or get forgiven simply because a borrower reaches the age of 70 [1.7.1]. Federal law does not include an "aging out" provision, meaning debt obligations continue to exist regardless of a borrower's age or whether they have begun receiving Social Security benefits [1.7.1]. However, older borrowers can still access standard relief pathways, such as Income-Driven Repayment (IDR) plans, which cap payments based on discretionary income and promise to cancel any remaining balance after 20 or 25 years of qualifying payments [1.7.1]. Additionally, loans may be discharged if a borrower becomes totally and permanently disabled [1.7.1]. Borrowers who have carried debt for decades may also be eligible for automatic cancellations under current Department of Education account adjustment programs [1.7.1].
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