President Donald Trump’s overhaul of federal student loans alters how borrowers repay their loans and limits how much students can borrow for college. U.S. News & World Report asked top student loan experts what they’re watching to get a sense of how the many changes might affect the student loan landscape. Your student loans are delinquent once you miss a payment, and they are considered in default after 270 days. Kantrowitz says his own analysis suggests the total volume of private student loans may grow 85% or more. Why Student Loan Defaults Could Soar Next Summer3 Unique Perks of College AveSo Much Has Changed With Federal Student Loans ?