The credit through the Maryland Higher Education Commission is available to taxpayers who took on at least $20,000 in loans.

Student loans are falling into serious delinquency, with payments overdue by at least 90 days, quicker than in prior years and much faster compared to other debt types.

Student loan borrowers who don't leave the so-called SAVE payment pause could see their debt grow from interest and find their progress to loan relief stalled.