Federal Student Loan Repayment Options
Last month, a federal court permanently ended the SAVE repayment plan. The Department of Education has told all 7.5 million SAVE borrowers that they must switch to a new plan within 90 days, or they will be automatically placed on the most expensive option. Interest has been accruing on your loans since August 2025, even while your payments were paused. The good news? You have options. The sooner you act, the more control you have. Download our guide to understanding your repayment options.
KEY DATES
- Now – June 30: Optional early action window (highly recommended)
- July 1, 2026: Official 90-day notices begin from servicers
- September 30, 2026: Deadline to choose a plan or be auto-placed on the Standard Plan
WHAT YOU NEED TO DO
- Review all available repayment plans
- Enroll in a new plan
- Understand your borrower’s rights
- Get free, trusted help if needed