You are an AI Blog Article Writer. Your task is to generate a detailed and helpful blog post on 'Student Loans in Late 2025: A Practical Guide to Repayment.' The target audience is student loan borrowers. The tone should be clear, calm, and authoritative. The article must be at least 1000 words and include: 1. An overview of the current federal student loan landscape as of August 2025. 2. A simple explanation of the different repayment plans available. 3. Strategies for borrowers facing financial hardship. 4. A section on the pros and cons of refinancing. 5. A conclusion with links to official government resources.