This panel explored the rapidly changing student-financing landscape, including new federal borrowing limits, Workforce Pell, student loan repayment and default, income-share agreements, and emerging alternatives to traditional education loans. Panelists discussed the implications of these developments for students, states, higher education institutions, policymakers, investors, and workforce-development leaders and considered what a more affordable, equitable, and sustainable student-financing system could look like by 2035.