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clock is ticking for President Donald Trump's administration to work through a student-loan forgiveness backlog.Since Trump took office, his Department of Education has been processing a slew of income-driven repayment applications and filings for debt forgiveness, known as buybacks, tied to extra payments for the Public Service Loan Forgiveness program, before changes to those plans go into effect next year.The processing backlog began under former President Joe Biden due to legal challenges against his SAVE income-driven repayment plan. While processing resumed in early January, the Trump administration faced a lawsuit from advocates over accusations of unnecessary delays.The Department of Education said in an August court filing that 1.3 million income-driven repayment plans are pending as of July 31, along with 72,730 PSLF requests for credit toward forgiveness coming from extra payments. The continued backlogs prompted the American Federation of Teachers to amend a previously filed complaint into a class action on September 17, and it urged the department to cancel the loans of borrowers who have met their payment threshold through their repayment plans or PSLF."At this rate, borrowers may have to wait years to receive the benefits that Congress directed should be provided to them," the filing said.This is especially timely, the filing added, because loan forgiveness through income-driven repayment plans will once again be taxable beginning January 1, 2026. That's because a 2021 provision in the American Rescue Plan that made forgiveness tax-free is expiring. Borrowers seeking forgiveness under those plans could face thousands of dollars in tax bills, depending on the amount forgiven, if they don't get approved by the end of the year.Millions of student-loan borrowers have been in relief limbo not only due to paperwork processing delays but also changes to repayment plans codified in Trump's "big beautiful" spending law. It means that borrowers could be facing more expensive monthly payments and new taxes on any relief next year while the administration moves forward with its plan to overhaul the student-loan repayment system.AFT's complaint said that one plaintiff has paid her loans for over 25 years, and despite reaching the forgiveness threshold, the department has not processed her relief. 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