SAVE Student Loan Plan Timeline Estimates: When To Expect To Leave
About this episode
The future of student loan repayment for SAVE borrowers has been finalized by a court settlement, and the exodus will start on July 1, 2026 in tranches of individual borrowers.
According to the most recent communication from the Department of Education, student loan servicers will begin sending official notices to borrowers in SAVE starting July 1, 2026. These notices will come in tranches, roughly two weeks apart.
Once a borrower receives their notice, they will have 90 days to select a new repayment plan. The current available repayment plan options are:
- Standard
- Tiered Standard (launches on July 1)
- IBR
- RAP (launches on July 1)
- PAYE (ends in 2028)
- ICR (ends in 2028)
When pressed on the final end date for all borrowers, we couldn't get an exact answer.
This timeline aligns with our earlier expectation we placed of 70% likelihood that a move would happen July 1
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