Technologies

460,000 Student Loan Borrowers Seeking Lower Payments Will Be Denied. What to Do If You’re One of Them

Most applicants were eligible for SAVE, which has been struck down. Here’s how to apply for other repayment plans.

Nearly half a million federal student loan borrowers who applied for lower monthly payments will be denied by the Department of Education.

Based on internal documents obtained by Politico, the department is rejecting 460,000 student loan borrowers who selected the lowest payment option based on their income. For most applicants, that was the Saving for a Valuable Education repayment plan.

SAVE was struck down by a federal court in February, so how were people still applying for the plan? It’s likely the Education Department is still processing applications submitted before the Trump administration removed the SAVE plan as an option on Feb. 21, 2025, said student loan expert Mark Kantrowitz.

As of June 30, the department reported 1.5 million pending applications for borrowers who are seeking Income-Driven Repayment plans. It processed 186,731 applications in June.

The Department of Education did not immediately respond to a request for comment.

Processing delays are the latest hurdle for borrowers trying to navigate student loan repayment. Millions of SAVE borrowers’ loans are currently in a general forbearance, with payments expected to remain on hold until mid-2026. However, the Department of Education announced this month that those loans will start accruing interest again on Aug. 1, so borrowers may be feeling pressured to choose another repayment program.

If you’ve applied for a repayment plan, here’s what you need to know about the status of your application and when you could start repayments.

Read more: SAVE Student Loan Borrowers Have Less Than 2 Weeks Before Interest Restarts. Here’s What to Do

How can you find out the status of your loan and repayment plan request?

If you applied for a new repayment plan and are denied, your loan processor should notify you when your application has been processed. You can also check the status of your plan request by logging into your StudentAid.gov account and going to the «My Activity» page. Your application should be listed as «In Review», «Action Required» or «Completed or Closed.»

Although the Federal Student Aid site says processing typically takes about 30 days, it notes you should expect delays due to the high volume of requests.

What happens if I’m rejected for a repayment plan?

If you applied for an income-driven repayment plan and were rejected, you may be placed in a standard 10-year repayment plan if you don’t choose another repayment plan, Kantrowitz said. «That’s typically what happens when a borrower is no longer eligible for an income-driven repayment plan.»

However, you can apply for another repayment plan at this time. The other repayment plans are also in a bit of a transition period since the Republican-led One Big Beautiful Bill Act was passed. Existing borrowers can still sign up for the Income-Based Repayment plan. Two other income-driven repayment plans, income-contingent and PAYE, are still options on the federal student loan site, but will be phased out.

Existing borrowers will also have the option to enroll in the Repayment Assistance Plan, a new plan that was passed in the bill, but this option won’t be available until next year.

«The best option for most borrowers who were in the SAVE repayment plan is IBR, since IBR still qualifies for forgiveness, while ICR and PAYE do not,» Kantrowitz said. «[Previous] payments made under SAVE, ICR, PAYE, REPAYE and IBR count toward IBR forgiveness.»

If you’re a SAVE borrower who applies for a new repayment plan and it’s held up by processing delays, your loans should remain in good standing while you’re waiting. However, interest will start accruing next month, so you may consider making interest-only payments while waiting for your application to process.

Technologies

Today’s NYT Mini Crossword Answers for Wednesday, Jan. 28

Here are the answers for The New York Times Mini Crossword for Jan. 28.

Looking for the most recent Mini Crossword answer? Click here for today’s Mini Crossword hints, as well as our daily answers and hints for The New York Times Wordle, Strands, Connections and Connections: Sports Edition puzzles.

Need some help with today’s Mini Crossword? Read on for all the answers. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

If you’re looking for today’s Wordle, Connections, Connections: Sports Edition and Strands answers, you can visit CNET’s NYT puzzle hints page.

Read more: Tips and Tricks for Solving The New York Times Mini Crossword

Let’s get to those Mini Crossword clues and answers.

Mini across clues and answers

1A clue: Remove from a position of power
Answer: OUST

5A clue: Not cool
Answer: UNHIP

7A clue: «Fine, see if ___!»
Answer: ICARE

8A clue: Kind of bored
Answer: JADED

9A clue: Primatologist’s subjects
Answer: APES

Mini down clues and answers

1D clue: Kind of board
Answer: OUIJA

2D clue: Prepare to use, as a pen
Answer: UNCAP

3D clue: Desirable place to sit on a hot day
Answer: SHADE

4D clue: Pair on a bicycle
Answer: TIRES

6D clue: ___ Xing (street sign)
Answer: PED

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Technologies

Today’s NYT Connections: Sports Edition Hints and Answers for Jan. 28, #492

Here are hints and the answers for the NYT Connections: Sports Edition puzzle for Jan. 28, No. 492.

Looking for the most recent regular Connections answers? Click here for today’s Connections hints, as well as our daily answers and hints for The New York Times Mini Crossword, Wordle and Strands puzzles.

Today’s Connections: Sports Edition is a tough one. If you’re struggling with today’s puzzle but still want to solve it, read on for hints and the answers.

Connections: Sports Edition is published by The Athletic, the subscription-based sports journalism site owned by The Times. It doesn’t appear in the NYT Games app, but it does in The Athletic’s own app. Or you can play it for free online.

Read more: NYT Connections: Sports Edition Puzzle Comes Out of Beta

Hints for today’s Connections: Sports Edition groups

Here are four hints for the groupings in today’s Connections: Sports Edition puzzle, ranked from the easiest yellow group to the tough (and sometimes bizarre) purple group.

Yellow group hint: Stats about an athlete.

Green group hint: Where to watch games.

Blue group hint: There used to be a ballpark.

Purple group hint: Names are hidden in these words.

Answers for today’s Connections: Sports Edition groups

Yellow group: Player bio information.

Green group: Sports streamers.

Blue group: Former MLB ballparks.

Purple group: Ends in a Hall of Fame QB.

Read more: Wordle Cheat Sheet: Here Are the Most Popular Letters Used in English Words

What are today’s Connections: Sports Edition answers?

The yellow words in today’s Connections

The theme is player bio information. The four answers are alma mater, height, number and position.

The green words in today’s Connections

The theme is sports streamers. The four answers are Netflix, Paramount, Peacock and Prime.

The blue words in today’s Connections

The theme is former MLB ballparks. The four answers are Ebbets, Kingdome, Three Rivers and Tiger.

The purple words in today’s Connections

The theme is ends in a Hall of Fame QB. The four answers are forewarner, Harbaugh, honeymoon and outmanning.

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Technologies

Google Rolls Out Expanded Theft Protection Features for Android Devices

The latest Android security update makes it harder for thieves to break into stolen phones, with stronger biometric requirements and smarter lockouts.

Google on Tuesday announced a significant update to its Android theft-protection arsenal, introducing new tools and settings aimed at making stolen smartphones harder for criminals to access and exploit. The updates, detailed on Google’s official security blog, build on Android’s existing protections and add both stronger defenses and more flexible user controls.

Smartphones carry your most sensitive data, from banking apps to personal photos, and losing your device to theft can quickly escalate into identity and financial fraud. To counter that threat, Google is layering multiple protective features that work before, during and after a theft.

Don’t miss any of our unbiased tech content and lab-based reviews. Add CNET as a preferred Google source.

At the center of the update is a revamped Failed Authentication Lock. Previously introduced in Android 15, this feature now gets its own toggle in Android 16 settings, letting you decide whether your phone should automatically lock itself after repeated incorrect PIN or biometric attempts. This gives you more control over how aggressively your phone defends against brute-force guessing without weakening security.

Google is also beefing up biometric security across the platform. A feature called Identity Check, originally rolled out in earlier Android versions, has been broadened to apply to all apps and services that use Android’s Biometric Prompt — the pop-up that asks for your fingerprint or face to confirm it’s really you — including third-party banking apps and password managers. This means that even if a thief somehow bypasses your lock screen, they’ll face an additional biometric barrier before accessing sensitive apps.

On the recovery side, Google improved Remote Lock, a tool that allows you to lock a lost or stolen device from a web browser by entering a verified phone number. The company added an optional security challenge to ensure only the legitimate owner can initiate a remote lock, an important safeguard against misuse.

And finally, in a notable regional rollout, Google said it is now enabling both Theft Detection Lock and Remote Lock by default on new Android device activations in Brazil, a market where phone theft rates are comparatively high. Theft Detection Lock uses on-device AI to detect sudden movements consistent with a snatch-and-run theft, automatically locking the screen to block immediate access to data.

With stolen phones often used to access bank accounts and personal data, Google says these updates are meant to keep a single theft from turning into a much bigger problem.