 The June 30th deadline is real and is very important, especially for people who have been in repayment for many years. I work with a lot of people who've been paying back student loans for more than 20 years. And if that's the case, they could have benefited from the IDR program working as it should have. So what people need to know is that the first thing you have to do is verify the types of loans you have. And for that, they want to go to studentaid.gov. That is the online home of the Office of Federal Student Aid.