On Friday, the Biden-Harris administration announcement An additional $4.28 billion in student loan forgiveness for nearly 55,000 borrowers Public Service Loan Forgiveness Program. The latest debt forgiveness news comes after years of PSLF struggles, recent payment pauses, and legal disputes over student loan forgiveness.

This wave of student debt relief is the result of improvements made by the Department of Education in recent years to the Public Service Loan Forgiveness program.

PSLF provides student loan forgiveness to teachers, nurses, and other public service workers who have held eligible employment for ten years or more. After making 120 qualifying payments, PSLF borrowers may have their remaining balances wiped clean.

The latest figures bring the total amount of federal student debt relief from the Biden administration to $78 billion for 1 million PSLF borrowers and $180 billion for nearly five million student borrowers.

Learn more: Here’s What a Second Trump Term Means for Inflation, Taxes and Student Loans

What’s Next for Student Debt Relief?

Two Biden administration student loan initiatives remain stuck in court. THE Save on a Valuable College Reimbursement Plan is currently suspended pending a final court decision, and borrower payments have been suspended. The Biden administration second attempt at widespread student loan forgiveness also remains pending.

“We don’t expect the Trump administration to continue the legal battle to uphold SAVE or allow broad forgiveness,” Elaine Rubin, a student loan policy expert at Edvisors, told CNET earlier this month. “If SAVE were overturned in court, the Biden administration would likely not have sufficient time to successfully appeal or advance the litigation.”

The fate of student debt relief programs is unclear as the new year approaches. President-elect Donald Trump’s administration takes office on Jan. 20, 2025, and most experts don’t expect his team to continue fighting for student debt relief.

For now, it remains to be seen what the new administration might propose and how the courts will rule on SAVE and Biden’s second pardon initiative. However, there are steps you can take to plan ahead in case either proposal is rejected by the courts.

Rubin suggests that borrowers registered with SAVE plan for resumption of payments and explore alternative income-based repayment plans in the event SAVE is eliminated. If you are enrolled in the Public Service Loan Forgiveness program and are about to hit the 120 payment mark, she recommends looking into the PSLF Buyback Program to see if this will allow you to receive forgiveness sooner.