Wisconsin
Biden-era student loan program to end. What Wisconsin borrowers should know
More student loan borrowers are falling behind on payments than ever before. The Biden-era SAVE plan is dead. Collections are moving from one federal agency to another. New loan limits will take effect this summer.
Carol Trone can barely keep up with all of the student loan news, and she’s the executive director of the Wisconsin Coalition on Student Debt, a nonprofit that helps borrowers.
“I check headlines every day,” she said. “These are crazy times.”
Wisconsin has about 720,000 borrowers who hold $24 billion in federal student loan debt, according to the latest federal education data. Nearly 125,000 of them are in default, including more than 50,000 who are newly in default as of last year.
Many have questions about repayment, loan consolidation and more.
“You’re not alone,” Trone said. “The stories we hear are of frustration, confusion, loan servicers changing – it’s a lot.”
Trone encouraged borrowers to contact the coalition’s free, confidential helpline. She also broke down some of the biggest changes for 2026:
More borrowers in default
Student loan payments were paused during the COVID-19 pandemic. Payments resumed in 2023, but borrowers did not face credit damage or default during a yearlong “on-ramp” period. That ended Sept. 30, 2024.
A borrower is considered delinquent when they haven’t made a payment in 30 days. They are in default when they haven’t made a payment in 270 days, though it may take two additional payment cycles to be reflected on credit reports.
More borrowers are falling behind on their payments. Nearly 8 million borrowers had defaulted on $181 billion in federal student loans by the end of last year, according to U.S. Education Department data. Another 3 million loan recipients were at least three months late on their payments.
It’s the highest combined rate of serious delinquency and default since the government began its data reporting system nearly a decade ago, the New York Times reported.
Biden’s SAVE plan is dead
Former President Joe Biden first proposed canceling up to $10,000 in federal student loan debt for borrowers earning less than $125,000 per year. After the U.S. Supreme Court knocked it down, he launched a new program that promised a lower monthly bill and a shorter path to loan forgiveness than other repayment plans.
About 135,000 Wisconsin borrowers enrolled in Biden’s Saving on a Valuable Education plan, also referred to as SAVE, Trone said. But several legal challenges have effectively killed the program.
SAVE borrowers need to apply to a different repayment plan, the federal education department said March 27. In July, loan servicers will begin notifying borrowers they have 90 days to switch plans or automatically be placed in the standard plan.
The new repayment options will be far less borrower-friendly, Trone said. A family of four making $84,000 would have paid $36 per month on the SAVE plan. That could jump to $440 per month.
The federal student aid website includes a loan calculator tool to get a sense of how much payments will increase and which plan will lead to the lowest payments.
Borrowers seeking Public Service Loan Forgiveness face more complications
The Public Service Loan Forgiveness program offers a path for borrowers who work in public service – such as teaching, nursing and policing – to have their debt erased after 10 years on the job.
The Trump administration is trying to change the program’s rules. The federal education department said that, beginning July 1, it would deny loan forgiveness to workers whose government or nonprofit employers engage in activities with a “substantial illegal purpose.” It could include organizations, for example, that work with undocumented immigrants or provide gender-affirming care to children.
Several predominantly Democratic cities sued last fall. The case remains pending.
Borrowers seeking public service loan forgiveness who enrolled in SAVE are caught in legal limbo. Their payments were frozen because of the court cases. But that also means they can’t make any progress toward loan forgiveness.
“Their applications are going nowhere,” Trone said. “So there’s high frustration.”
Student loan oversight moving to different federal agency
The U.S. Education Department announced the Treasury Department will assume responsibility for collecting on defaulted student loans.
The transition of the office of Federal Student Aid is happening in phases, and it’s unclear when the first phase will begin, Trone said. A borrower’s terms and interest rate won’t change during the transition. The consequences of falling behind on payments won’t change either. The government can garnish your wages, and withhold Social Security payments and federal tax refunds.
New loans subject to new borrowing limits
The One Big Beautiful Bill Act, President Donald Trump’s tax and spending bill signed into law last summer, sets new caps on direct federal loans: $50,000 annually and $200,000 over a lifetime. It also eliminates the Graduate PLUS loan program, which many professional-degree seeking students use to cover living expenses while in school.
Republicans say the changes are long overdue and will encourage schools to rein in rising tuition costs for pricy professional and graduate degree programs.
But some financial aid experts worry the new caps will price some students out of pursuing degrees in law, medicine, veterinary medicine and more, or push them to the private loan market. Private loans offer fewer protections, higher interest rates, less favorable repayment terms and may require a co-signer.
Wisconsin student loan borrowers can get free help from hotline
Borrowers in some states can get help and file complaints against servicers with student loan ombudsmans. In other states, there is a higher education agency to turn to for help. Wisconsin has neither.
The Wisconsin Coalition on Student Debt started up to fill the gap. The nonprofit group runs an anonymous and confidential hotline for borrowers.
Call 833-589-0750. There’s no wait time. No artificial intelligence-driven chatbots. Questions go directly to human student loan experts.
The hotline hasn’t taken off as much as you might think. Since its informal launch during the pandemic, Trone estimated the coalition has helped about 900 borrowers.
“We are pushing so hard to get the word out,” she said.
New incentives for employers to help workers with student loan debt
Employers can pay up to $5,250 per year per employee for qualified student loan payments, tax-free.
The incentive began in 2020 as a temporary provision, which deterred some employers from pursuing it, Trone said. But the measure now has permanent status.
The coalition is assessing which Wisconsin employers offer this perk to employees.
Kelly Meyerhofer has covered higher education in Wisconsin since 2018. Contact her at kmeyerhofer@gannett.com or 414-223-5168. Follow her on X (Twitter) at @KellyMeyerhofer.
Wisconsin
Tranfser Portal Predcition: Wisconsin trasnfer John Blackwell likely to land with contender
John Blackwell is one of the more sought-after players still available in the NCAA transfer portal. Big-time programs are coming after the former Wisconsin Badgers guard. And now, On3’s Joe Tipton is calling his shot on where Blackwell will end up.
Tipton has put in an RPM for Blackwell to commit and sign with the Duke Blue Devils. His level of confidence sits at 60%. If Duke head coach Jon Scheyer can get this one over the finish line, it could prove to be a massive addition.
“Wisconsin transfer John Blackwell is one of the most coveted players in the transfer portal,” Tipton said. “The 6-foot-4 shooting guard took an official visit to Duke on Monday and the Blue Devils are carrying the momentum in this recruitment. I’ve officially placed an RPM prediction in favor of Duke to ultimately land the star transfer.”
The On3 Industry Transfer Portal Rankings have Blackwell slotted as the No. 5 overall player to enter this cycle. Just looking at shooting guards, only one guy is ahead of him — Wake Forest‘s Juke Harris.
Blackwell spent three seasons in Madison before entering the transfer portal. He was in double figures over the last two years, averaging 19.1 points during the 2025-2026 campaign. Duke will enjoy his efficiency as well, shooting 43% from the field and 38.9% behind the three-point line.
There is more to what Blackwell can do than just shoot, though. He snagged just over five rebounds and dished out 2.3 assists per game.
To keep up with the latest players on the move, check out On3’s Transfer Portal wire. The On3 Transfer Portal Instagram account and Twitter account are excellent resources to stay up to date with the latest moves.
Before the RPM pick from Tipton, the latest update on where things stood with Blackwell came on Saturday. Tipton laid out who else is still considered to be in the running, including a visit schedule for the Wisconsin transfer. You can check out the full piece of intel here.
Duke has turned into one of the more consistent programs in college basketball, playing at a high level under Scheyer. The last three seasons have resulted in at least an Elite Eight appearance, even making the Final Four in 2025. Still, the expectations in Durham are to win a national championship. Maybe Blackwell is the guy who can help them take the next step forward.
Wisconsin
Rubber bullet carnage as 1,000 animal welfare activists storm beagle breeding lab in Wisconsin | Fortune
About 1,000 animal welfare activists who tried to gain entry Saturday to a beagle breeding and research facility in Wisconsin were turned back by police who fired rubber bullets and pepper spray into the crowd and arrested the group’s leader.
It was the second attempt in as many months by protesters to take beagles from the Ridglan Farms facility in Blue Mounds, a small town about 25 miles (about 40 kilometers) southwest of the capital, Madison.
Dane County Sheriff Kalvin Barrett, said in a video statement that 300 to 400 protesters were “violently trying to break into the property” and assault officers. He said protesters have ignored designated areas for peaceful protest and blocked roads to prevent emergency vehicles from entering.
“This is not a peaceful protest,” Barrett said.
The sheriff’s department said a “significant” number of people were arrested out of about 1,000 protesters at the site but did not give an exact total as they were still being processed as of the afternoon.
Protesters tried to overcome barricades that included a manure-filled trench, hay bales and a barbed-wire fence. Some protesters did get through the fence but were unable to enter the facility, where an estimated 2,000 beagles are kept, the Wisconsin State Journal reported.
“I just feel defeated,” activist Julie Vrzeski told the newspaper about three hours into the operation after no dogs had been successfully seized.
Activists later moved from the Ridglan facility to protest outside the jail in downtown Madison.
The group Coalition to Save the Ridglan Dogs had publicized plans to seize the dogs Sunday but launched its operation a day earlier. The X account of the group’s leader, Wayne Hsiung, posted a picture of him being arrested.
The sheriff’s department said a person who “recklessly” drove a pickup through the front gate of the property was arrested, “preventing a potentially deadly outcome.”
Protesters broke into the facility in March and took 30 dogs. Twenty-seven people were arrested on trespassing and other charges.
Ridglan has denied mistreating animals but agreed in October to give up its state breeding license as of July 1 as part of a deal to avoid prosecution on animal mistreatment charges.
On its website it says “no credible evidence of animal abuse, cruelty, mistreatment or neglect at Ridglan Farms has ever been presented or substantiated.”
Wisconsin
Wisconsin authorities put total arrests from clashes at beagle breeding facility at about 25
MADISON (AP) — Around 25 protesters were arrested as around 1,000 animal welfare activists tried to gain entry to a beagle breeding and research facility in Wisconsin and were met by officers firing pepper spray and rubber bullets, authorities said Sunday.
Saturday’s protest was the second attempt in as many months by demonstrators to take beagles from Ridglan Farms in Blue Mounds, about 25 miles (about 40 kilometers) southwest of the capital, Madison. They were turned back by officers who arrested the group’s leader.
Owen Ziliak/Wisconsin State Journal via AP
The Dane County Sheriff’s Office said the situation was “significantly calmer and more peaceful” on Sunday, when around 200 people assembled outside the farm. They dispersed after around two hours, it said.
“We’re pleased with the group’s cooperation today, and their willingness to remain peaceful, while still sending their message of concern for the dogs at Ridglan Farms,” Sheriff Kalvin Barrett said in a statement. “We are happy to support anyone who wants to exercise the right to protest, as long as they do so lawfully.”
Owen Ziliak/The Wisconsin State Journal via AP
The sheriff had said in a video statement Saturday that 300 to 400 protesters were “violently trying to break into the property.” They tried to overcome barricades that included a manure-filled trench, hay bales and a barbed-wire fence.
Owen Ziliak/Wisconsin State Journal via AP
Some got through the fence but were unable to enter the facility, where an estimated 2,000 beagles are kept, the Wisconsin State Journal reported.
Amber Arnold/Wisconsin State Journal via AP
Those arrested included the leader of the Coalition to Save the Ridglan Dogs, Wayne Hsiung, 44, of New York, who was being held on a tentative felony charge of conspiracy to commit burglary. But most arrestees were just booked and released, the sheriff’s office said Sunday.
“No one should be assaulted for giving aid to a dog, even if damage to property is part of that rescue effort,” Hsuing said in a statement from jail Sunday that also accused authorities of using excessive force. “The animals of this Earth are not “things.” They’re sentient beings. And we have the right to rescue them from abuse,” he concluded.
Protesters took 30 dogs when they broke into the facility in March, when authorities arrested 27 people.
Ridglan denies mistreating animals but agreed in October to give up its state breeding license as of July 1 in a deal to avoid prosecution on animal mistreatment charges.
On its website, the company says “no credible evidence of animal abuse, cruelty, mistreatment or neglect at Ridglan Farms has ever been presented or substantiated.”
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