 Advocates say not enough people are aware of this change. Meanwhile, student loan payments for some borrowers may go up if the Supreme Court rules against President Biden. The administration faces two legal challenges to block SAVE in a set of lawsuits brought forth by some Republican-led states. Lawyers defending it told the court yesterday that borrowers would suffer significant harm should it side with the does challenging it. More than 4.5 million people in the program have a $0 monthly payment.