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The MBTA’s oversight board will consider a package of service cuts at its final meeting of the year Monday, though the scale of the reductions was unclear as officials scrambled to finalize the proposal into the weekend.

After months of reduced ridership and fare revenue due to the coronavirus pandemic, the Massachusetts Bay Transportation Authority plans to reduce transit service in the first half of 2021.

But the process has been complicated by a challenge not unique to public transportation: Nobody knows what to expect next year.

Among the many questions: How optimistic should the MBTA be about ridership, especially if a vaccine is widely available in the coming months? Will work habits that dramatically changed during the pandemic have long-lasting impacts on commuting? Will Congress approve aid to fill transit agencies’ budget gaps? And would the very act of reducing service ultimately stunt ridership long-term?

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“Trying to predict human behavior is very difficult, particularly when it involves a very high degree of uncertainty,” said Kurt Forsgren, a managing director at S&P Global who focuses on transportation. “I think it’s been compounded by uncertainties about safety.”

In November, the MBTA proposed a package that would reduce frequency on trains and most bus routes; eliminate weekend commuter rail, ferry service, and a handful of bus lines; shorten part of the Green Line; and close the system earlier at night.

After weeks of pushback, the MBTA last week said it would likely scale back its plan, acknowledging it has enough room in its budget to stave off some of the proposed changes. Frequencies may still be reduced, but the T indicated it would try to avoid closing services altogether. The details of the new proposal have still not been made public, and were not finalized until the weekend. Further service decisions may also come next year.

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As Congress continues to debate a stimulus package that could include more money for transit agencies, US Senator Edward Markey and Representatives Ayanna Pressley and Stephen Lynch are scheduled to hold a press conference opposing the cuts on Monday.

But state officials have said that even with federal help, they may still cut some service to better match frequencies to ridership. That seems to be a priority of Governor Charlie Baker, who has lamented “running empty buses and trains” as poor public policy. Systemwide ridership is currently about 25 percent of its pre-pandemic rate, though with significant differences among routes.

Baker’s comments perturbed transit advocates, who say riders on little-used routes still rely on them. They’ve also argued the cuts are poorly timed, set to mostly take effect next spring and summer — which may closely align with vaccine distribution.

Stacy Thompson, director of the Livable Streets Alliance, warned that the T should not cut buses and trains now, because it may need them as more riders return.

“It’s about having a boatload of flexibility for the next six months. And yes, that may cost some more money,“ she said. “If for some reason there is a mythical bus the governor has found that is empty, you can move it somewhere else in the system.”

Future ridership will not just depend solely on the end of the coronavirus crisis. Some passengers may remain fearful of crowds. Others may take to driving or biking.

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The biggest variable is white-collar workers who have telecommuted since March. Their return will depend on whether they want to continue working remotely — and if their bosses allow that. Surveys show many commuters may like to work from home a couple days a week and that employers will be amenable.

“There will not be a five-day work force as we’ve known it for a very long time,” predicted Jim Rooney, president of the Greater Boston Chamber of Commerce.

Still, Rooney has said the MBTA should delay the decision until the outlook is more certain. Commuters will face another important post-pandemic consideration, he said: whether transit is easily available.

“It would be a shame if the T’s decisions had the effect of influencing demand by reducing the supply too much,” Rooney said.

MBTA workers, who could face layoffs, have voiced similar concerns.

Jim Evers, president of the Boston Carmen’s Union, said drivers are willing to work with the MBTA on tactics to quickly restore service as ridership returns. But “the best way to restore service to a route is to not cut the route to begin with,” he said.

Riders already are seeing temporary service reductions, though these are for public health rather than budgetary reasons. The agency recently announced a sharp reduction in weekday commuter rail service, after a COVID-19 outbreak caused staff shortages and a series of train cancellations. Subway service will also soon be adjusted slightly downward for similar reasons.

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The T’s longer-term service plans are based on an internal forecast suggesting ridership will return to 55 percent of prior levels by June 2022. The agency has also presented more optimistic forecasts, however, including one estimating a 76 percent return by that time.

Even that would represent a huge drop compared to the crowded days earlier this year, when transportation officials and elected leaders were highly focused on increasing transit service to fight auto congestion and pollution. But it would yield significantly more revenue than the more pessimistic outlook.

Some MBTA board members have said the T should rely on that optimistic forecast and use the added budget cushion to maintain service. One member, Brian Lang, acknowledged that any ridership estimate is deeply uncertain.

“Nobody has a crystal ball, and any decision we make is going to have to be as informed as we can possibly be,” Lang said.