This is the best summary I could come up with:

After an unprecedented three-year timeout on federal student loan payments because of the pandemic, millions of borrowers began repaying their debt when billing resumed late last year.

Many people are taking advantage of an “on-ramp” period that lasts through September, during which late payments will not be reported to credit bureaus and borrowers will not be placed into default, though interest will continue to accrue.

Mr. Trump’s Education Department stymied relief programs for government and nonprofit workers, permanently disabled borrowers, and people defrauded by for-profit schools.

But the plethora of changes to repayment rules, and a barrage of lawsuits from Republican-led states attacking them, have worsened the already challenging task of getting more than 40 million people back on a payment track.

Last week, federal judges in Kansas and Missouri temporarily blocked elements of the SAVE program, ruling in favor of states that contested the president’s authority to impose such generous terms without congressional approval.

But on Sunday, the U.S. Court of Appeals for the 10th Circuit temporarily reversed the Kansas decision, clearing the way for the department to proceed with planned payment reductions this month for millions of borrowers.

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