SAVE has ended. Following a 2026 court order, the SAVE plan is being wound down. If you were enrolled in SAVE, your loan servicer is sending a transition notice. You generally have 90 days from that notice to choose a new plan before you are moved automatically, so do not ignore it.
Your income-driven options going forward: IBR and the new Repayment Assistance Plan (RAP), which launched July 1, 2026. PAYE and ICR are being phased out (no later than July 1, 2028).
RAP basics: payments of roughly 1% to 10% of your adjusted gross income depending on income, a $10 monthly minimum, forgiveness after 30 years, and an interest subsidy so your balance does not grow if your payment does not cover the interest.
PSLF still works the same way (Direct Loans, 120 qualifying payments, qualifying employer). The plan you pick affects both your monthly payment and your PSLF timeline, so this is worth a coaching call before you decide.
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