A wave of lawsuits has emerged as unions and organizations sue the Trump administration and the U.S. Department of Education over recent decisions that have severely impacted student loan repayment plans. Reports indicate that many borrowers are facing skyrocketing monthly payments, with some experiencing increases from $500 to $5000. The American Federation of Teachers (AFT) has taken legal action, demanding justice for borrowers who have been blocked from affordable repayment options and accusing the administration of breaking the student loan system. As repayment programs are suspended and key income-driven repayment (IDR) plans are removed, millions of borrowers find themselves in financial limbo, struggling with the burden of increased loan payments. The situation has prompted widespread concern among millennials, who are voicing their frustrations and seeking clarity on their options, particularly regarding recertification for IDR plans.