More than half (56%) of homeowners are worried that the One Big Beautiful Bill Act, passed by Congress in July, will impact their ability to meet student loan payments now or in the future — despite the fact that they’re sitting on record levels of home equity.

That’s according to a new report released Tuesday by home equity investment platform Point, which combines insights from 1,000 borrowers across multiple surveys conducted in July 2025.

Student loan balances have ballooned over the past 20 years, growing from $260 billion in 2004 to $1.6 trillion by 2025. According to a recent Point details ⇒

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