Ascentxmedia | E+ | Getty Images Recent and looming changes to the U.S. Department of Education's student loan repayment plans will affect whether and when millions of borrowers get their debt canceled . The new rules on the government's income-driven repayment plans , or IDRs, stem from President Donald Trump's  One Big Beautiful Bill Act and other policy developments. "We are encouraging all borrowers to evaluate their repayment options on which plan is going to be best for them moving forward," said  Landon Warmund , a certified financial planner and certified student loan professional at Reliant Financial Services in Kansas City, Missouri. "Proactive planning is always key, and between now and July 1 is the time to do that," said Warmund, who is also a member of CNBC's  Financial Advisor Council . Congress created the first IDR plans in the  1990s  to make student loan borrowers' bills more affordable.…