The federal IDR application is back online, but there's a big catch. First, let's cover why it opened back up at all. A lawsuit was brought by the American Federation of Teachers (AFT) arguing that their members were being harmed by the administration blocking access to the IBR plan. IBR is written down explicitly in the federal statute, so blocking it was definitely illegal. Even the administration seems to agree, because at the very first court hearing for this AFT lawsuit, the Dept of Ed...