THE SAVE PLAN IS DEAD.
RESET YOUR REPAYMENT.
On March 10, 2026 a court order killed the SAVE plan. On July 1, the Repayment Assistance Plan went live and 7.5 million borrowers started receiving 90-day notices to pick a new plan. Wrong move — or no move — and you get placed on a plan you didn't choose. This site exists to make sure that doesn't happen to you.
What just happened to your loans, in plain English. If you only read one section, read this one — it covers what RAP is, why SAVE is gone, whether you personally have to move, and the deadlines that decide everything.
The machinery. Every RAP mechanism traced back to the statute and Department of Education guidance — the payment formula, the interest waiver, the $50 principal match, the 30-year forgiveness clock, and the traps written between the lines.
Side-by-side, with real numbers. RAP against every plan you can still choose — and against the private refinancing option the ads keep pushing at you.
Your loans are not generic and neither is the answer. Field guides for the borrowers the headlines skip — Parent PLUS families, married couples, grad students hit by the Grad PLUS shutdown, high earners, defaulted borrowers, and a playbook for each major servicer.
Timing and money. When switching early beats waiting, when refinancing beats every federal plan, how to plan for a forgiveness tax bill three decades out, and the two RAP levers — the floor and the dependent deduction — that most borrowers never model.
Start with your position, not with reading. If you were on SAVE, the exit guide is your page one: it decodes the 90-day notice, ranks your three destination plans, and tells you what happens if you let the clock run out. If you borrowed \u2014 or will borrow \u2014 on or after July 1, 2026, your menu is already decided and the sorting page explains what that means for every loan you hold. Everyone else: run your income through the calculator first, because every strategic question on this site gets easier once you know your actual number under RAP, IBR, and the Tiered Standard plan side by side.
Then let your situation pick the module. Married with uneven incomes: the filing-status lever is worth real money and most couples never pull it. Public service: the PSLF page reframes every payment decision, because when the remainder is forgiven tax-free, minimizing payments becomes the strategy instead of the sin. Parent PLUS: your rules are genuinely different \u2014 start here before anything on the general pages misleads you. Big balance, modest income: the waiver, the 30-year clock, and the tax bomb are your trilogy, in that order.
Two habits make everything on this site work better. First, screenshots: your plan name, payment count, and payment history \u2014 today, and again after every change. Seven and a half million borrowers are moving through servicer systems at once; the ones who resolve errors fast are the ones holding dated evidence. Second, the calendar: your 90-day notice window, the first bill under any new plan, and the 07.01.2028 hard stop. This transition punishes drift and rewards anyone who moves deliberately \u2014 which, if you\u2019ve read this far, is you.
A note on how this manual stays true: every page carries a review date, every load-bearing claim links to the statute, CRS analysis, or Department of Education releases on the sources page, and when guidance moves \u2014 servicer procedures are still hardening, and the Department keeps refining the application \u2014 the affected pages get updated rather than quietly aging. The transition runs through 07.01.2028; this site is built to run the whole distance with you. Spot something stale or wrong? The contact page reaches a human, and verified corrections ship fast.
And a promise about what this site will never do: ask for your FSA ID, your SSN, or a fee to enroll you in anything. Every federal plan application is free at StudentAid.gov, full stop. The transition has spawned a cottage industry of \u201cdocument preparation services\u201d charging hundreds of dollars to file a free ten-minute form \u2014 and worse, credential-harvesting operations impersonating servicers by phone and text. If anyone contacts you first and asks you to verify account details to \u201ccomplete your plan change,\u201d hang up and log in directly. The manual is free, the applications are free, and anyone telling you otherwise is the reason the FAQ has a scam section.
Student Loan Reset is an independent publisher. Every factual claim traces to the statute, CRS analysis, Department of Education releases, or servicer guidance — indexed on the sources page. We never ask for your FSA ID or SSN, we tell you when refinancing links pay us, and the about page explains exactly how this site makes money. Questions: contact · FAQ.