Utah Later is a remedial measure designed to help borrowers struggling with student loan debt. It offers a range of options for borrowers to explore, including loan consolidation, loan modification, loan rehabilitation, loan deferment, loan forgiveness, and more. Loan consolidation allows borrowers to combine multiple loans into one more manageable loan with a lower interest rate. Loan modification allows borrowers to adjust the terms of their loan to make it more affordable. Loan rehabilitation allows borrowers to make on-time payments on a defaulted loan to remove the default status. Loan deferment lets borrowers put their loans on pause for a specific amount of time. Finally, loan forgiveness allows borrowers to have a portion of their loan balance forgiven.