About Student Loan Reset
An independent field manual for the largest forced migration in the history of American student debt: 7.5 million SAVE borrowers with 90-day clocks, a brand-new statutory repayment plan, and a wall of deadlines running through July 1, 2028.
Our mission
On March 10, 2026, a federal court terminated the SAVE plan. On July 1, 2026, the Repayment Assistance Plan went live, borrowing caps took effect, Grad PLUS ended for new borrowers, and millions of households inherited decisions with four- and five-figure annual consequences — decisions governed by a statute most coverage summarizes in three paragraphs. Student Loan Reset exists to close that gap. We read the law and the primary guidance so you don't have to, translate it into plain language and working math, and build tools — starting with the RAP Payment Calculator — that let you see your own numbers before you commit to anything.
Our editorial position is simple and we state it everywhere it's relevant: the right repayment strategy depends on your numbers, not on anyone's product. Some readers belong on RAP. Some belong on IBR, and the difference can be worth tens of thousands. A narrow profile genuinely benefits from refinancing — and our refinancing pages tell everyone else not to, in bold, above any lender link.
What we cover
The full 2026–2028 transition: how the RAP formula actually computes, the SAVE exit windows, the RAP-vs-IBR decision that millions of borrowers face, PSLF under the new rules, the Parent PLUS lockout and its closing IBR window, the new borrowing caps, servicer-specific transition guides, and the tax planning that a taxable-forgiveness era demands. Forty pages, every one sourced.
Our editorial methodology
Every substantive page on this site is built the same way:
1. Statute first. Claims about how RAP works trace to P.L. 119-21 itself, as analyzed by the Congressional Research Service — not to secondhand summaries. Where the Department of Education's operational guidance adds detail, we cite the Department directly.
2. Primary sources ranked. Statute and CRS beat agency press releases; press releases beat news coverage; news coverage beats nothing. Where sources conflict, we follow the higher-ranked source and flag the conflict on the page.
3. Unverifiable claims are omitted, not repeated. Widely circulated figures we cannot trace to a primary source — such as the autopay interest-reduction claim that appears across social media — do not appear on this site at all. Absence of a claim here is deliberate.
4. Math is computed, not quoted. Every worked example is calculated from the statutory formula, and the calculator's assumptions are printed on its page. Our sources index lists every document behind the site, and each article footnotes the subset it uses.
5. Dated and maintained. Pages carry a last-updated date. The transition is governed by active rulemaking, and when guidance changes, pages change — materially corrected pages say so.
Corrections policy
We would rather be corrected than wrong, and in a fast-moving regulatory environment, errors are a when, not an if. If you find one — a stale figure, a rule that's been superseded, a broken calculation — use the contact form. Confirmed errors are fixed promptly; material corrections are noted on the affected page. Reader corrections have improved every site we've built, and they're treated as contributions, not complaints.
How this site makes money
Full transparency, because trust is the entire product:
Affiliate links. Primarily on refinancing pages, clearly disclosed where they appear: if you fund a loan through a partner link, we may earn a commission at no cost to you. The analysis does not bend for it — our refinancing framework concludes that most readers should stay federal, and that conclusion sits above any lender table, permanently.
Display advertising. If and when ads appear on the site, they are served by third-party networks and labeled as ads. Advertisers never see your form submissions and never influence editorial content.
Nothing else. We never charge for content or "enrollment help" — every federal loan action is free at StudentAid.gov. We never sell reader data. We never accept payment for coverage or rankings.
What we are not — and what we never ask for
We are not the U.S. Department of Education, Federal Student Aid, or a loan servicer, and we are not affiliated with or endorsed by any government agency. We cannot see your loans or act on your account. We are not lawyers, tax professionals, or financial advisors; this site is educational information, not individualized advice — see the full disclaimer. And we will never ask for your FSA ID, Social Security number, loan account credentials, or payment of any kind. Anyone requesting those in our name is running a scam and should be reported to the FTC.
Contact
Corrections, questions, feedback, and partnership inquiries: the contact form or contact@studentloanreset.com. We read everything.