The Education Department reported improved metrics for the 2026 FAFSA rollout — earlier launch, lower call wait times and higher satisfaction — while federal data show rising student‑loan delinquencies and roughly one million borrowers entering default in late 2025. Nearly 10% of balances are more than 90 days past due. Financial‑aid offices face a dual challenge: ensuring students access aid efficiently this cycle while preparing for an increase in default mitigation and borrower outreach. Institutions will need stronger financial‑counseling resources, tighter verification processes and scenarios for assisting delinquents to preserve enrollment and completion.