NEW YORK (AP) — Between collections resuming, courts blocking student loan programs and layoffs at the Education Department, borrowers might be confused about the status of their student loans.

Recently, the Education Department announced it would start involuntary collections on defaulted loans, meaning the roughly 5.3 million borrowers who are in default could have their wages garnished by the federal government.

At the center of the turmoil are the government's income-driven repayment plans, which reduce monthly payments for borrowers with lower incomes. Those plans were temporarily paused after a federal court blocked parts of the plans in February.

“There’s so much confusion, they’ve made it very complicated,” said Natalia Abrams, president and founder of the Student Debt Crisis Center.

At the same time, some borrowers are struggling to get their loan servicers on the phone, making it hard to find answers to their questions, said Abrams.

If you're a student loan borrower, here are some answers to your questions.

What if I want to enroll in an income-driven repayment plan?

Applications for income-driven repayment plans are open, but they're taking longer than usual to process.

The applications were temporarily shut down earlier this year after a federal court in Missouri blocked the SAVE plan, a Biden administration plan that offered a faster path to loan forgiveness. The judge's order also blocked parts of other repayment plans, prompting the Education Department to pause income-driven applications entirely.

Amid pressure from advocates, the department reopened the applications on May 10.

Borrowers can apply for the following income-driven plans: the Income-Based Repayment Plan, the Pay as You Earn plan and the Income-Contingent Repayment plan.

Abrams expects applications will continue to be approved but at a slower pace than before the application pause.

Borrowers currently enrolled in an income-driven plan should be receiving notifications about recertification, said Khandice Lofton, counsel at the Student Borrower Protection Center. Recertification is required annually to update information on family size and income, and dates are different for each borrower.

To review income-driven repayment plans, you can check the loan simulator at studentaid.gov.

What if I applied to the SAVE plan?

Borrowers enrolled in the SAVE plan have been placed in administrative forbearance while a legal challenge is resolved. That means they don't have to make payments and interest is not accruing. Time in forbearance normally does not count toward Public Service Loan Forgiveness.