The SAVE plan is being eliminated. PAYE and ICR are gone by July 1. Parent PLUS borrowers who don't act lose income-driven repayment — permanently.
The One Big Beautiful Bill Act makes the biggest changes to student loan repayment in a decade. Three changes will affect most borrowers — here's what to watch for.
If you're enrolled in SAVE today, you need to be on a new plan before July 1. The Department of Education will place non-responsive borrowers on Standard — which is often the most expensive option.
The new RAP plan introduces a $10/month minimum and different income brackets than SAVE. It replaces SAVE, PAYE, and ICR as the income-driven option for new borrowers starting in 2026.
Parent PLUS borrowers who don't consolidate before July 1 permanently lose access to income-driven repayment. There's no grace period — after the deadline, the door is closed for good.
Find your situation below. If you see yourself, your loans are about to change — and the timeline is shorter than most borrowers think.
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 is being eliminated. You'll need to switch to RAP or IBR before the transition date, or you'll be placed on the Standard plan by default.
Both plans are phasing out. You can stay until July 2028, but should evaluate now whether IBR or RAP saves you money — switching early is often the right call.
IBR is staying for existing borrowers. But the new RAP plan may offer lower payments depending on your income — worth a ten-minute check.
Your forgiveness clock isn't changing, but the qualifying plan you're on might be. A plan switch could save thousands before forgiveness hits.
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I had no idea my Parent PLUS loans could lose access to income-driven repayment for good. LoanShift caught it with 85 days left and told me exactly what to do.
I was on SAVE and genuinely didn't know what to do. Two minutes later I had three plan options with actual numbers — IBR cuts my monthly payment by $240.
I've been making PSLF payments for six years and assumed I just needed to keep going. LoanShift showed one plan switch would save me $8,400 before forgiveness hits.
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