Many federal student-loan borrowers will get a reprieve from loan payments through Dec. 31, thanks to the executive order from President Trump last month that extended relief that had been set to expire Sept. 30. But payments were only deferred, not forgiven, so as things now stand many federal-loan borrowers will be on the hook for eventual repayment. And private-loan borrowers may find even less relief is available.

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First, consider the federal-loan borrowers. For many who have lost their…

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