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AT&T Internet Review: Plans, Pricing, Speed and Availability

AT&T Internet Review: Plans, Pricing, Speed and Availability

Yahoo16-02-2025

AT&T is one of few internet providers offering three different internet services to its customers: 5G home internet, DSL and fiber internet. With over 28 million customers plus the distinction of becoming the fastest ISP, according to Ookla data from the second half of 2024, AT&T is a popular home internet option. (Disclaimer: Ookla is owned by the same parent company as CNET, Ziff Davis.)
But how do AT&T's different internet services measure up to each other? If you're living in one of the 22 states where AT&T provides wired internet service and are one of the eight million customers eligible for the company's fiber internet plans, you're in luck. AT&T's fiber service offers the best value for reliably fast speeds.
However, many of AT&T's service area customers aren't living in homes wired for fiber. Instead, AT&T connects those customers using fixed wireless connections like AT&T Internet Air or AT&T Fixed Wireless, which uses 4G LTE, or its DSL hybrid service. That means less value and much slower speeds than you'll get with fiber.
In other words, recommending AT&T home internet service depends on where you live and what type of internet service is available at your address. If AT&T Fiber is an option, move it to the top of your list. If you aren't serviceable for fiber, shop around for other available internet service providers to see if you can do better than AT&T's fixed wireless or DSL services.
Let's take a closer look at what you can expect with an internet service from AT&T.
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Source: CNET analysis of provider data.
A couple of potential outcomes exist when you seek to sign up for AT&T's home internet service. If you see the 300, 500 or gigabit speed tiers offered at your address, you can access AT&T's fiber internet service, which uses 100% fiber technology. Fiber connections are symmetrical by design, which means that your upload speeds will be just as fast as your downloads, unlike DSL, cable and other modes of internet. That's particularly useful for videoconferencing, transferring files (for those working and schooling from home) and online gaming.
AT&T officially discontinued offering its 100% DSL networks to new customers in 2020. Now, it uses a DSL-fiber hybrid infrastructure to deliver speeds up to 100Mbps, rebranded as "AT&T Internet." While those plans are contract-free, you can expect a data cap of 1.5TB on all plans. AT&T recently announced plans to discontinue its DSL-hybrid offerings by 2029, though we'll have to wait and see how that plays out.
Alternatively, AT&T also offers fixed wireless internet connections. AT&T's Fixed Wireless offering, which relies on 4G LTE to get you online, features dismal speeds up to 10Mbps down and 1Mbps up. In 2023, AT&T introduced AT&T Internet Air, a new fixed wireless solution targeted to current customers subscribed to slower DSL plans. This plan features download speeds of up to 225Mbps and upload speeds of up to 30Mbps. This connection meets the FCC's benchmark for home broadband of 100Mbps download speed and 20Mbps upload, making it a decent alternative to DSL plans if you can get top speeds. That said, when CNET's Joe Supan gave AT&T Internet Air a one-week test run" target="_self, he did not consistently experience broadband speeds.
Overall, AT&T's most reliable, cost-efficient plans are its fiber internet plans, which come without contracts or data caps and feature speeds up to 5,000Mbps. The company tells CNET that three of those fiber plans -- Internet 300, Internet 500 and Internet 1000 -- are available to approximately 21 million customers in the company's footprint. The multi-gig plans are available to a smaller portion of that base, currently just over 8 million. Overall, AT&T Fiber is available in more than 100 major cities in the US, per the company's website. All of AT&T's fiber plans are rock-solid options, and the company's overall fiber-optic service frequently tops customer service surveys and polls.
AT&T's wired internet service area covers 22 states across the country:
Alabama
Arkansas
Arizona
California
Florida
Georgia
Illinois
Indiana
Kansas
Kentucky
Louisiana
Michigan
Mississippi
Missouri
Nevada
North Carolina
Ohio
Oklahoma
South Carolina
Tennessee
Texas
Wisconsin
AT&T announced recent plans to continue expanding its fiber network and multigig plans in places like Sevastopol in Wisconsin, which will extend its fiber network to over 2,000 locations, as well as the San Bernardino and San Mateo counties in California, covering over 7,500 locations.
AT&T's fiber expansion is even more evident with its continued efforts to partner with new third-party companies like BlackRock. "This continuing investment on behalf of our clients in Gigapower is helping bridge the digital divide and support economic growth in communities across America through expanded access to critical broadband services," BlackRock Chairman and CEO Larry Fink says.
You can dig deeper on the AT&T coverage map to see the specific cities included within each state.
For the most part, AT&T's internet service has simple, easy-to-understand terms and conditions. However, a few differences from other ISPs should attract your attention.
AT&T includes the cost of equipment rental in your monthly service bill for all internet plans. In some cases, you may even be eligible to use your own equipment.
AT&T charges $99 for a full, in-home tech installation for DSL service. For some addresses, there's no self-install option (you have to go online to find out if you "qualify" for the self-install kit). On the positive side, AT&T's fiber and Internet Air plans frequently waive the installation fee, so keep an eye out for offers like that. If none are available, you could also ask them to waive it when you're calling to sign up.
If you're struggling to get a signal in the far reaches of your home, AT&T will sell you a Smart Wi-Fi Extender to pair with the gateway. Moreover, the gateway modem is included in your monthly bill, while the extender is free for customers on the 2-gig and faster plans. Otherwise, it will cost you an additional $10 a month.
Here's where things get a little squirrelly. For the most part, AT&T home internet plans don't come with data caps. Customers get unlimited data with all fiber plans. You won't have to track your data usage for fear of fees or throttling issues once you hit some arbitrary threshold. However, there's still a decent chunk of AT&T's geographic footprint where AT&T's DSL hybrid is the only option. For those households, there is a data allowance.
AT&T Internet plans from 0.8 to 75Mbps have a data cap of 1.5 terabytes (1,500 gigabytes). If you exceed that monthly limit, you'll incur a $10 charge for each additional 50GB of data you use, up to $100 monthly. That's on par with other major providers who enforce a data cap, including Xfinity and Cox, but both offer a slightly lower cap at around 1.25TB. Cox also waives all your overage charges the first month you break the cap. Don't expect a free pass like that from AT&T.
If you think you'll surpass AT&T's data allowance, you can upgrade your plan to a fiber plan, which includes unlimited data. The Internet 300 plan, for example, offers you the same rate but with faster speeds and unlimited data. Another option is to choose a TV and internet bundle, which would allow you to get unlimited data at no extra charge -- although there's usually a contract involved with any bundling of services.
One last caveat -- the data allowance for AT&T Fixed Wireless Internet is 350GB a month. While the $10 charge for each additional 50GB you use is the same as above, fixed wireless customers can be billed up to $200 extra per month for overage fees. That's a recipe for sticker shock, so you'll want to be extra cautious with your data usage if you're a fixed wireless subscriber.
AT&T likes to run short-term promotions and deals throughout the year. The main promo right now is an AT&T Visa Reward Card for new fiber customers who order online. Depending on your selected speed tier, the amount ranges from $50 to $150. In addition, new customers can have their cancellation fee paid in full when they switch to AT&T.
In addition, AT&T's nationwide network of over 30,000 hotspots is free to all AT&T home internet customers. This allows you to connect while away from home without using your mobile data.
Customers on the 2 gigabit and faster plans can access AT&T's Active Armor internet security (an $80-a-year value) for free. This technology features tools that protect your home internet and mobile devices from a wide range of online threats.
AT&T crows that "you deserve the best," and the company points to its stellar showing in the 2024 J.D. Power US Residential Internet Service Provider Satisfaction Study as evidence that it's delivering. AT&T nabbed the top spot in that study's North Central and West regions, with an average score of 542 on a 1,000-point scale. Only Verizon Fios (575) and Google Fiber (702) can point to a higher average in the survey.
AT&T also fared extremely well in the latest American Customer Satisfaction Index, which releases a yearly customer satisfaction survey for internet providers. AT&T Fiber's score of 80/100 remained the same from the previous year, topped all fiber ISPs and was well ahead of the industry average of 71 (76 among fiber providers). Since 2023, the ACSI has differentiated between fiber and non-fiber providers, and AT&T certainly benefited from that move. Even the company's non-fiber numbers were decent; it scored a 69 in that category, which was third behind T-Mobile Home Internet and Verizon 5G Home Internet.
If AT&T Fiber is an option for your address, finding a better combination of service and affordability is tough. The catch? AT&T's fiber plans aren't an option for approximately half of the company's coverage area. All other AT&T plans are fraught with issues not faced by fiber, from slower download speeds to data caps. Simply put, don't hesitate if you can hop on an AT&T Fiber plan, but research your options if you're only eligible for DSL or fixed wireless internet from AT&T in your area.
No. While the promo price on some plans expires after your first year of service, you don't have to sign a term agreement to receive that price. The one exception is if you seek to sign a bundle deal. Standalone internet service doesn't require a contract, but if you bundle your broadband with another service, you may be required to sign a term agreement.
The answer to this question always depends on which plans are available in your area. No matter the fastest plan that any provider might offer (say, the 50,000Mbps plan from Ziply Fiber), it's moot if it isn't available at your address. For example, AT&T's Internet 5,000 plan is one of the fastest residential plans you can find from a national ISP, but it's not available to all AT&T areas. It covers just over 8 million households across approximately 100 metro areas.
For a third-party perspective on what's fast, the speed-testing website Ookla tracks ISPs based on its scoring system that looks at both download and upload speeds. Using the most recent metrics taken during the first half of 2024, AT&T Fiber came in first place.
Finally, remember that those scores consider the median of AT&T Fiber plans, which are the provider's speedier options. The slower numbers from AT&T's DSL and fixed wireless plans didn't come into play there.
Yes. Access from AT&T is an affordable option for eligible households within the 22 states that AT&T services. You can expect speeds up to 100Mbps symmetrical speeds for $30 monthly. This plan is available for limited-income households participating in the Supplemental Nutrition Assistance Program or getting Supplemental Security Income benefits.
You can start the process by going to the AT&T Contact Us page. Since no contracts are required for service, you can cancel AT&T Internet anytime without an early termination fee. Since you are billed month-to-month, you will not receive a refund or credit if you cancel before the end of your billing cycle. However, customers can be charged up to $150 if the equipment isn't returned within 21 days of canceling.
Also, pay attention to the small print of your promo offers. For example, if you have an internet plan that gets you free HBO Max, you'll lose that access upon cancellation.
Lastly, if you desire to transfer your service, rather than cancel (for a pending move, for example), you can contact an AT&T moving specialist at 800-288-2020. Read our guide on how to cancel your internet service.

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Best Ice Makers
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GE Profile Photo Gallery 1/3 GE Profile Best ice maker overall GE Opal 2.0 Nugget Ice Maker + Water Tank Pros Makes crunchy nugget ice, great for chewing or cocktails The large removable water means you don't have to constantly refill Quiet and easy to use The design is pleasing Cons The most expensive nugget ice maker on our list Larger than most so it might not fit on your kitchen counter Why I liked it: The Opal Nugget 2.0 ice maker had one of the fastest ice outputs of the models we tried. It also has the largest capacity, able to hold three pounds at once and produce more than 35 pounds of ice in a single day. The large .75-gallon side water reservoir on the 2.0 comes in handy when you're hosting and don't want to bother with refilling constantly. The Opal is also relatively quiet and easy to use. Why we chose this model over GE's other Opal ice makers is the removable reservoir that is far more convenient than the built-in water tank found on the brand's other models. Who is it for: If you need large quantities of ice and have the space to house it, the Opal will provide the most ice to keep drinks cold and party guests happy. The Opal has a pleasant design and an easy-access bin with a caddy for the ice scoop on the side so you never lose it. Who should avoid it: If you don't require loads of ice regularly, the Opal may be more ice maker than you need. It's significantly larger than the other ice makers on our list so it may not be the best pick if you plan to keep it in the kitchen. It also costs about $579 so it's not a budget buy. Note: Our pick is for the Opal 2.0. The Opal 2.0 XL is identical except for a slightly larger 1-gallon reservoir but costs $149 more. There is also a line of Opal ice makers with a built-in reservoir, which is less convenient to fill than the removable reservoir. ... 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I appreciated the removable reservoir, which allows you to keep the machine anywhere in the kitchen. Those with built-in water tanks must either be placed near the sink or you'll have to find a vessel to bring water over to refill. Who should get it: This ice maker is quiet, works well and is a modest size, making it a great pick for most kitchens. It will take up about the same amount of space as a 4-quart air fryer so you'll need to budget some counter space. That said, it's roughly half the size of the GE Profile Opal. Who should avoid it: If your ice needs are particularly great, this mid-sized model may not be able to keep up. Two and a half pounds of ice may sound like a lot, but during a summer party with 10 or more guests, it'll go fast. A full batch of ice takes about an hour, so you can expect to fill it somewhat regularly throughout your event. ... Show more Get it now $300 at Amazon Specs & Configurations Ice type Nugget Ice capacity 2.5 lbs Ice made per day 44 lbs Dimensions 16.75"D x 11.75"W x 20.25"H Colors available Blue, black, silver, cream Removable water tank Yes Price $300 Add to compare Ecozy Photo Gallery 1/2 Ecozy Best smart ice maker design Ecozy Pros My favorite design of any ice maker we tested Love the top-open door revealing ice bin and water tank Keeps ice super cold after making Cons Smart features seem mostly unnecessary Digital screen is busy Less familiar with the brand, which makes me nervous about longevity Why I like it: This ice maker had my favorite design of all the models tested. The slick top-open door reveals an ice basket and easy-fill removable reservoir. The Ecozy also made its soft nugget ice fast, churning out 2.5 pounds in just more than an hour. It makes slightly less ice per day than the Frigidaire but still enough for the average household not to fall behind. The Ecozy's smart features are fun, but I didn't find myself using them often. The ice maker is Wi-Fi enabled so you can start and stop the cycle remotely if you choose. However, you'll still have to return to manually fill the reservoir so remote control isn't a major boon. This machine sports an LED light to show ice bin fullness without opening it. It also tells you the air and water temperatures but I struggled to see how this would be helpful other than to plan how long the ice would keep from melting. The insulated chamber was useful as this machine kept its ice frozen for several hours after it was made, even when I turned it on. Who should get it: Smart home aficionados will appreciate the Ecozy's extra features, such as app control and temperature readouts. While it doesn't filter water, the machine also reads the water's total dissolved solids, so you can haul in a separate filter system if the quality is poor. Who should avoid it: My biggest concern with this ice maker is my lack of familiarity with the brand. Because it sports all those smart features, there are more elements that could potentially break or glitch over time, although everything ran smoothly in my weeks-long test. ... Show more Get it now $360 at Amazon $400 at Best Buy Specs & Configurations Ice type Nugget Bin capacity 2.6 lbs Ice per day 40 lbs Dimensions 9.33"D x 14.01"W x 15.51"H Colors available Black Cleaning cycle Yes Removable water tank Yes Price $400 Add to compare Igloo Photo Gallery 1/2 Igloo Best cheap ice maker Igloo Pros A bargain at less than $100 Made bullet ice fast and kept it cold Handle is convenient for bring ice outside or to another room Cons Makes a small amount of ice What I like: The Igloo is about as simple as ice makers get but it made bullet ice fast and kept it frozen. The ice maker is relatively quiet and takes up very little counter space. I loved the handle that lets you easily lug a full batch of ice, which takes about an hour to make, outside or into another room. It also made its first ice cubes faster than any machine, churning out nine cubes in less than 8 minutes. Who is it for: For those who need just a small supplemental supply of ice, the Igloo's $95 machine won't bust your wallet or crowd your counter. It works consistently Who should avoid it: This is a small-capacity ice maker. It holds just 1.25 pounds of ice and makes only 26 pounds total per day so you'll need to run and refill it often to keep up with even modest demand from a group. You can always batch ice and stick it in the freezer, but that requires planning ahead so consider this machine's output before you decide to buy. ... Show more Get it now $90 at The Home Depot $95 at Wayfair Specs & Configurations Ice type Nugget Bin capacity 1.25 lbs Ice made per day 26 lbs Dimensions 12.2"D x 9.06"W x 12.8"H Colors available Black, light blue Removeable water tank No Cleaning cycle Yes Price $95 Add to compare Klaris Photo Gallery 1/3 Klaris Best ice maker for whiskey drinkers Klaris Craft Ice Maker Pros The 2-inch cubes made by this machine were a thing of beauty Slow melting ice is perfect for cocktails and sipping liquor Small footprint Cons It takes eight hours to make four cubes Expensive at more than $500 Why I liked it: The Klaris specialty ice maker makes perfectly clear 2-inch cubes of ice. While it takes time to make them, the resulting ice is optimal for sipping a fine whiskey or bourbon cocktail. The ice melts considerably slower than other types and thus won't water down your custom cocktail. It's also visually appealing if you plan to show off your cocktails on Instagram. Who is it for: This is undoubtedly a specialty ice maker for fans of premium liquor with some money to spend. The Klaris makes four large crystal-clear ice cubes in each batch but takes about 8 hours to do it. It's easy to operate with just one button. The Klaris is also one of the smaller ice makers so it won't crowd your countertop and can ornament a home bar. Who should avoid it: This isn't a practical ice maker for most people. The Klaris makes perfect cocktail ice but it takes eight hours to create just four cubes. It's also one of the more expensive home ice makers on the market at more than $500. ... Show more Get it now $549 at Amazon Specs & Configurations Ice type Cocktail, cube Bin capacity 4 large cubes Total ice per day 12 large cubes Dimensions 9"D x 9"W x 12"H Colors available Stainless steel Cleaning cycle No Removable water tank No Price $524 Add to compare Others ice makers we tested Frigidaire ball: This $335 model would be a good pick if you want cocktail ice but don't want to splurge on the $500 Klaris. The balls of ice were at times inconsistent or half-made but it was mostly efficient and easy to use. Whynter Nugget Ice Maker: This machine performed well but it was louder than the others. Also, the build is low and wide -- most were taller but narrow -- making it more difficult to squeeze into a crowded kitchen. GoveeLife Smart Ice Maker: This ice maker was the worst of the bunch. The Govee never produced a single cube after several attempts at running a cycle. Gevi V2.0 Nugget Ice Maker: The Gevi performed OK when making ice but it didn't keep that ice frozen in the bin for as long as the others. Cuisinart Compact Bullet Ice Maker: This bullet ice maker got the job done but the control panel was fussy and the price was bloated for a basic ice machine. The Igloo, our budget pick, is a nearly identical machine but costs $100 less. There aren't a ton of ice makers from well-known brands. Kitchen brands don't seem to be clamoring to get into the ice maker space and plenty of brands have skipped out on the category. I asked reps from several of my favorite kitchen brands why but most didn't have an answer. In researching the models we would test, I reached out to some of them. A rep from SharkNinja, a kitchen brand we are consistently impressed with, said, "We aren't in that category at the moment but we're always looking for the next consumer problem to solve … and always follow our deep consumer insights in that process." How we tested ice makers Testing ice makers isn't as straightforward as some of the other products we evaluate at CNET. Most of the ice makers we brought in for testing delivered on the promise to turn tap water into ice. But some made ice faster than others and kept it cool for longer when the machine was turned off. Many of our picks hinged less on hard metrics gleaned from testing and more on how well the ice makers were designed and constructed, how easy they were to use, their features and their noise level. We ran each ice maker more than 10 times to ensure consistency in production and looked for any glitches in the controls. We also looked for leaks or design flaws that might cause a mess to clean up later. For hard metrics, we timed how long it took each ice maker to make it's first cubes. We ran that test twice and averaged the two times. In most machines, it was consistently about 10 minutes before the first cubes or nuggets dropped into the bin. Next, we tested how long it took each ice maker to fill its bin. This isn't an apples-to-apples comparison because the machines all have different capacities but we wanted to see if the ice makers delivered on the promises made in marketing lingo. What to consider: Ice maker buying advice A removable reservoir A removable reservoir makes refilling easier, especially if the machine is far from the sink. David Watsky/CNET The most convenient feature of all the ice makers I tested was a removable reservoir. Some of the budget models had built-in water tanks, which meant you had to either keep the machine near the sink or bring water in a separate vessel to fill it. The Whynter ice maker has a built-in water tank, which I found trickier to fill. David Watsky/CNET The removable reservoirs proved uniquely handy for refilling, especially for the midsized machines that required more refills to keep up with demand. Ice type Most home ice makers make either nugget or bullet ice. David Watsky/CNET Most at-home ice makers make one of two types of ice: bullet or nugget. Nugget ice can be made quickly and is great for chewing on but it melts fast in drinks. Bullet ice seems to be the go-to ice type for budget-friendly ice makers. It's more similar in structure to ice you would find in an in-fridge ice maker. Then there are the specialty ice makers, largely designed for cocktail making. Frigidaire has a $300 ball ice maker, while Klaris' $524 ice maker makes perfect, air-pocket-free blocks for sipping your favorite brown liquor or mixed drink. Size and production volume Midsized ice makers like the Frigidaire and Ecozy hold enough ice for about 7 drinks. David Watsky/CNET The smallest ice makers are good for crowded kitchens but the production is limited so it might not be worth even the meager space they take up. The Cuisinart and Igloo, for instance, hold just 2 pounds of ice, enough for roughly 7 drinks. Most ice makers hold about 2 liters, which equals roughly 2.5 pounds of ice, good for about 9 drinks. The bigger ice makers, including our top pick the GE Profile Opal Nugget ice maker, hold 3 pounds at once, enough for 12 drinks, but the footprint on your counter is significantly bigger. You'd be wise to consider the space where you plan to put your ice maker before you purchase. Many homes may require the extra ice only in the summer so if you can budget the space for three or four months only, you can spring for a larger model that produces more. If it's going in the basement or garage to replenish ice as needed or to be pulled out for special occasions, size may not be a concern. Cost and value The Opal Nugget Ice Maker is our top pick but it's also one of the more expensive options. GE The most affordable ice makers we tested were less than $100. All of these models were small in stature and made bullet ice -- similar to ice from a fridge ice maker. Ice makers that produce nugget ice, which is easy to chew and looks nice in cocktails, typically start at about $300. Premium ice makers, such as the Opal 2.0 and Klaris specialty ice maker, cost about $500 to $700. Cleaning mode Most of the ice makers we tested have a cleaning function that sends water mixed with a food-safe cleaning product or a vinegar solution through the channels to descale. We recommend buying an ice maker that has this feature to prevent tainted ice down the line. Ice maker FAQs Will an ice maker work outside in the heat? In my experience, ice makers function far less efficiently in the heat. If you have a portable ice maker, it's best to operate it inside where it's cooler during warm weather. How do you clean an ice maker? To clean an ice maker unplug the machine and empty the ice bin and water reservoir. Next, wipe down interior and exterior surfaces with a mild cleaning solution. For a deeper clean, run the machine's cleaning cycle once or twice to rid the lines of buildup. The run another cleaning cycle with only water to flush it out. How long does an an ice maker take to make ice? Most automatic ice makers we tested start making ice in about 12 minutes but take a full hour or longer to make a full batch. The larger models took longer to fill the bucket with ice. How much ice do ice makers make? Most of the ice makers we tested hold between 2.5 and 3 pounds of ice, enough for 8 to 12 drinks. The smaller, more budget-friendly machines hold closer to 1 pound.

Confused About Student Loans? As a Student Loan Expert, Here Are My Top Tips for Taking Control of Your Debt
Confused About Student Loans? As a Student Loan Expert, Here Are My Top Tips for Taking Control of Your Debt

CNET

time18 hours ago

  • CNET

Confused About Student Loans? As a Student Loan Expert, Here Are My Top Tips for Taking Control of Your Debt

Regardless of your situation, there are ways to take charge of your student loans. Getty Images/Zooey Liao/CNET Student loan policies have changed swiftly over the past year. After a five-year payment pause, it's understandable if you're not sure what's happening with your student loans. Between a barrage of news about the end of the Saving on a Valuable Education plan and the ramp-up of wage garnishment efforts, there's a lot to keep track of. I get it. I'm a student loan policy expert who's worked in the industry for more than 15 years, so I know the past few years have been trying for borrowers. It's easy to feel like everything happening with student loans is out of your hands. There's still time for you to take charge of your student loans, and you don't need to let it all overwhelm you. Follow my six recommendations to get yourself back on track and in control. Read more: SAVE Student Loan Borrowers Likely Won't Make Payments This Year, but Should Do This One Thing Now Find out your student loan balance Do you know how much you owe in total on your student loans? It's a question that many borrowers can't answer when I ask them. You might have an idea (or think you do). But it's important to check, especially if you think you may be behind on your payments. Many borrowers I've worked with are surprised to find they owe more than they initially borrowed when it's time to start repayment. This is because most loans, except subsidized ones, begin accruing interest from the moment they are disbursed. Outstanding interest, which has not been capitalized or added to your loan, is listed separately from the principal balance. To fully understand your loan balance, it's important to carefully review your statements. If you know who your student loan servicer is, you can log into your online account to check your balance. If you're not sure, you can find out by logging into your Federal Student Aid account and visiting the My Aid page. Read more: 5 Ways to Pay Off Your Student Loans Even Faster Plan to restart payments If you are enrolled in the Saving on a Valuable Education Plan, your loans have been in an administrative forbearance since summer 2024 due to the plan's legal challenges. You haven't been able to make payments, and your interest rate has been set to zero. This payment hold is temporary and could end soon. It's a good idea to explore other income-driven repayment plans so you can plan for your new monthly payment. You can use the US Department of Education's Loan Simulator to estimate your payments and check eligibility for specific plans. Read more: My Student Loan Payment Will Jump From $0 to $488 After SAVE Ends. Yours Might Too Earning less? Recertify your income A lot has changed since the first administrative forbearance in 2020, and if you're facing financial hardship or making less money than you were five years ago, you may want to apply to have your income recertified to potentially lower your student loan payment if you're on an income-driven repayment plan. To recertify your income, visit IDR application page and select "Recertify or Change Your Income-Driven Repayment Plan." Apply for the PSLF buyback program now, if you're eligible The Public Service Loan Forgiveness program offers debt cancellation for teachers, nurses and other public service employees who work in a qualifying job for 10 years and make 120 payments on their loans. If you're enrolled in SAVE and were close to reaching your 120 total payments, the recent payment pause may have delayed your forgiveness. In this case, you might benefit from the PSLF buyback program. The PSLF buyback program lets you "buy back" months where your loans sat on hold during a forbearance period -- but only if doing so brings you to 120 total payments. For example, let's say you had already made 115 qualifying payments before your loan entered the SAVE Plan forbearance. You could apply for the PSLF buyback program to buy back five of the months where your loans were in forbearance to reach the 120-payment requirement. You'll apply for the program online, and once approved, you'll have 90 days to pay off what you owe for the number of months you buy back. So, if your monthly payment was $100, you'd need to pay $500 to receive forgiveness. You'll also need to make sure you meet all other PSLF eligibility criteria, such as working for a qualifying employer and having the correct loan type. If you think you're eligible and want to confirm your payment count, you can find qualifying payment amounts in your account. Expert tip: Note: Many borrowers have been waiting to find out the status of their PSLF buyback request, but it's still worth applying if you meet the requirements. Read more: More Student Loan Forgiveness Is on the Way for PSLF Borrowers. What's Next for Debt Relief? Pay off your interest while you're in school If you're still in college, your student loans likely haven't entered repayment yet. While it's difficult to predict what repayment options will be available in the future, there are proactive steps you can take now. One recommendation is to pay off any interest that accrues while you're still in school. Even small contributions can help reduce the overall cost of your loans in the long run. If your federal student loan hasn't yet entered repayment, you won't be eligible to enroll in a repayment plan. Repayment starts six months after graduation or if your enrollment drops below half-time, unless you enroll in another program, like graduate school, before the grace period ends. Read more: What's the Future of Student Loans and FAFSA if the Department of Education Goes Under? Don't count on student loan forgiveness Many borrowers have turned to income-driven repayment plans to reduce their monthly payments and potentially qualify for student loan forgiveness. However, forgiveness is not guaranteed, especially as legal challenges continue to threaten SAVE and some of the other IDR repayment plans. Programs like PSLF and forgiveness under the Income-Based Repayment Plan carry less risk, since they would require congressional action to be altered or eliminated. That said, it's always wise to plan for full repayment of your student loans, regardless of any current potential forgiveness opportunities.

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