The student loan rules just changed. What does it mean for you?
The SAVE plan is being eliminated. PAYE and ICR are being phased out. Parent PLUS borrowers who don't act before July 1 lose income-driven repayment permanently. Find out exactly how this affects your loans.
What's Changing?
The One Big Beautiful Bill Act makes the biggest changes to student loan repayment in a decade.
Are You Affected?
Find your situation below. If you see yourself, your loans are about to change.
Parent PLUS Borrowers
You must consolidate before July 1, 2026 to keep income-driven repayment. After the deadline, Parent PLUS borrowers are permanently locked out of IDR.
SAVE Plan Enrollees
SAVE is being eliminated. You'll need to switch to RAP or IBR before the transition date or be placed on Standard.
PAYE / ICR Borrowers
Both plans are being phased out. You can stay until July 2028, but should evaluate whether IBR or RAP saves you money.
IBR Borrowers
IBR is staying for existing borrowers. But the new RAP plan may offer lower payments depending on your income.
How LoanShift Works
Three steps. Two minutes. Zero jargon.
Answer a few questions
Tell us about your loans, income, and family. Takes about 2 minutes.
Get your analysis
Our AI analyzes your situation against the new rules and calculates every option.
Take action
Follow your personalized plan. Need help? We generate your application forms.
“I didn't know my Parent PLUS loans would be locked out of IDR forever. This tool caught it with 85 days to spare.”
— Early user feedback