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 .

The layoffs call into question how agency will be able to handle major operations such as student loans, FAFSA, the Nation’s Report Card and civil rights complaints.

An hours-long outage on StudentAid.gov, the federal website for student loans and financial aid, has underscored the risks in rapidly gutting the Department of Education.