The Trump administration has taken its latest step toward dismantling the Department of Education — and despite assurances that the agency will “continue to deliver” on programs it’s legally responsible for, like student loans, experts warn it’s likely borrowers will feel significant disruptions .

While federal leaders had promised there will be little to no changes to how student loans and grants are handled, some changes are still possible.

A commuter walks past the headquarters of the U.S. Department of Eduction, which were ordered closed for the day for what officials described as security reasons amid large-scale layoffs, Wednesday, March 12,