I think the repayments don’t start back at all, and are also never forgiven. How I believe we get past the issue is we have our next economic meltdown, and you have the public and governments backing to completely wipe them largely away. When and what this all looks like is details I’ll never guess. But it’s on pause indefinitely because turning them back on, after three years of inflation in everything else is a non starter.

I suppose they could turn the repayments back on, all hell breaks out in 6-9 months, and they get bi-partisan support to end student loan repayments for good, all built into some “financial aid” package that winds up costing way more than just writing them off right now would be.🙄