Over the past few decades, college tuition and fees have increased by more than a thousand percent, surpassing all categories associated with the cost of living , including food and medical care. This unprecedented rise in costs has led to an avalanche of problems for young and middle-aged adults. Due to high student loan debt, graduates are being forced to move back in with their parents, fewer young people are becoming homeowners, they are delaying their retirement savings, and they are dropping out of college at an alarming rate of nearly fifty percent. . With all the controversy surrounding the topic of rising college costs, the revised Income-Driven Repayment program was created to help borrowers repay their student loans based on their income. Being forced to return home after graduating from college is one of the many obstacles students face. while getting used to the new debt they inherit after school. Imagine, after graduating from high school, the excitement one must feel to finally be away from the watchful eye of mom and dad birds. I went to college to live on my own, to have the freedom to be an adult and make decisions as such. If you are lucky enough to be one of those who successfully complete the four years of higher education with a diploma, evidence of long nights, dedication and hard work, great rewards are expected, won't it? not ? This is false, many students in modern society will face a harsh reality and be tied to the nest from which they took flight four years ago. Student loans will become the new chain that holds them captive to their parents. Not being able to afford to live independently right after graduating from college is a price some must pay to pursue higher education. With college debt and everyday...... middle of paper ...... forgiveness benefits will be taxable as income, as with other income-based repayment plans. (Mayotte)The increasing costs of university studies have proven to be a major problem for those pursuing higher education. As institutions raise tuition and fees, students are forced to make life-changing sacrifices to pay off their ballooning student loans. We have arrived at a pivotal moment in history, where individuals have no choice but to minimize or delay important life decisions, such as moving in with their parents to save money, becoming a homeowner, saving for their retirement and give up their higher education. The impact of the rising costs of college has become so severe that it is at the forefront of politicians and the political agenda, sparking discussions and policies such as the revised income-based repayment program. The proposed program to help combat the effects of massive student loans.