{"id":115310,"date":"2026-05-02T15:47:03","date_gmt":"2026-05-02T15:47:03","guid":{"rendered":"https:\/\/christiancorner.us\/index.php\/2026\/05\/02\/save-borrowers-have-90-days-after-july-1-to-change-plans\/"},"modified":"2026-05-02T15:48:07","modified_gmt":"2026-05-02T15:48:07","slug":"save-borrowers-have-90-days-after-july-1-to-change-plans","status":"publish","type":"post","link":"https:\/\/christiancorner.us\/index.php\/2026\/05\/02\/save-borrowers-have-90-days-after-july-1-to-change-plans\/","title":{"rendered":"Save Borrowers have 90 days after July 1 to change plans"},"content":{"rendered":"<p>\n<\/p>\n<div id=\"genesis-content\">\n<div class=\"breadcrumb\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/BreadcrumbList\"><span class=\"breadcrumb-link-wrap\" itemprop=\"itemListElement\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"breadcrumb-link-text-wrap\" itemprop=\"name\">Home<\/span><meta itemprop=\"position\" content=\"1\"\/><\/span> <span aria-label=\"breadcrumb separator\">\/<\/span> <span class=\"breadcrumb-link-wrap\" itemprop=\"itemListElement\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"breadcrumb-link-text-wrap\" itemprop=\"name\">news<\/span><meta itemprop=\"position\" content=\"2\"\/><\/span> <span aria-label=\"breadcrumb separator\">\/<\/span> Save Borrowers have 90 days after July 1 to change plans<\/div>\n<article class=\"post-79815 post type-post status-publish format-standard has-post-thumbnail category-news tag-student-loans entry grow-content-body\" aria-label=\"SAVE Borrowers Have 90 Days After July 1 to Switch Plans\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/CreativeWork\">\n<header class=\"entry-header\">\n<p class=\"entry-meta\"><time class=\"entry-modified-time\" itemprop=\"dateModified\" datetime=\"2026-05-02T08:46:15-07:00\">Updated: May 2, 2026<\/time> By <span class=\"entry-author\" itemprop=\"author\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/Person\"><span class=\"entry-author-name\" itemprop=\"name\">robert farrington<\/span><\/span>    | <span class=\"span-reading-time rt-reading-time\"><span class=\"rt-label rt-prefix\"\/> <span class=\"rt-time\">    <1<\/span> <span class=\"rt-label rt-postfix\"\/><\/span>    read minimum <span class=\"entry-comments-link\">Leave a comment<\/span> <\/p>\n<div class=\"disclaimer\">\n    <span class=\"disclaimer-opt\">Many or all of the products featured here may be from our partners who compensate us. This does not affect our ratings or reviews. Our opinion is our own. Investing information is for educational purposes only. <\/span><br \/>\n        <a rel=\"nofollow\" target=\"_blank\" href=\"#\" class=\"tooltip-show disclaimer-opt\">Learn more here.<\/a><a rel=\"nofollow\" target=\"_blank\" href=\"#\" class=\"tooltip-show disclaimer-opt-mobile\">Advertiser Disclosure<\/a><br \/>\n        <span class=\"tooltip-wrap\"><\/p>\n<p>        <\/span>\n    <\/div>\n<\/header>\n<div class=\"entry-content\" itemprop=\"text\">\n<div class=\"dpsp-post-pinterest-image-hidden\" style=\"display: none;\"><\/div>\n<div id=\"tve_flt\" class=\"tve_flt tcb-style-wrap\">\n<div id=\"tve_editor\" class=\"tve_shortcode_editor tar-main-content\" data-post-id=\"79815\">\n<div class=\"thrv_wrapper thrv-columns\" style=\"--tcb-col-el-width: 800;\" data-css=\"tve-u-19ddb6abbc6\" data-type=\"\">\n<div class=\"tcb-flex-row v-2 tcb--cols--1\" data-css=\"tve-u-19ddb6abbc7\" style=\"\">\n<div class=\"tcb-flex-col\" data-css=\"tve-u-19ddb6abbc5\" style=\"\">\n<div class=\"tcb-col\">\n<div class=\"thrv_wrapper tve_image_caption\" data-css=\"tve-u-19ddb6abbcb\" style=\"\"><span class=\"tve_image_frame\"><img loading=\"lazy\" decoding=\"async\" class=\"tve_image tcb-moved-image wp-image-76425 edge-images-processed\" alt=\"Education Secretary Linda McMahon speaks during a television interview at the White House in Washington, Tuesday, Nov. 19, 2025. (AP Photo\/Alex Brandon)\" data-id=\"76425\" width=\"800\" data-init-width=\"1200\" height=\"535\" data-init-height=\"802\" title=\"Education Secretary Linda McMahon out\" loading=\"lazy\" src=\"https:\/\/thecollegeinvestor.com\/cdn-cgi\/image\/dpr=1%2Cf=auto%2Cfit=cover%2Ch=535%2Cq=85%2Cw=800\/wp-content\/uploads\/2026\/03\/Education-Secretary-Linda-McMahon-Outside.jpg\" data-width=\"800\" data-height=\"535\" style=\"aspect-ratio: auto 1200 \/ 802;\" data-css=\"tve-u-18bb7d70834\" srcset=\"https:\/\/thecollegeinvestor.com\/cdn-cgi\/image\/dpr=1%2Cf=auto%2Cfit=cover%2Ch=535%2Cq=85%2Cw=800\/wp-content\/uploads\/2026\/03\/Education-Secretary-Linda-McMahon-Outside.jpg 800w, https:\/\/thecollegeinvestor.com\/cdn-cgi\/image\/dpr=1%2Cf=auto%2Cfit=cover%2Ch=803%2Cq=85%2Cw=1200\/wp-content\/uploads\/2026\/03\/Education-Secretary-Linda-McMahon-Outside.jpg 1200w, https:\/\/thecollegeinvestor.com\/cdn-cgi\/image\/dpr=1%2Cf=auto%2Cfit=cover%2Ch=1070%2Cq=85%2Cw=1600\/wp-content\/uploads\/2026\/03\/Education-Secretary-Linda-McMahon-Outside.jpg 1600w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\"\/><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\" data-type=\"\" data-css=\"tve-u-19ddb6abc4e\">\n<p>The U.S. Department of Education has begun sending notices to borrowers enrolled in the SAVE plan that they will have 90 days starting July 1 to select a new repayment plan \u2014 or be automatically transferred to the standard 10-year plan.<\/p>\n<p>Roughly 7 million borrowers are still in SAVE forbearance, and many had to make $0 monthly payments under the plan. Auto-enrollment in standard repayment can increase monthly bills from zero to several hundred dollars, often without warning.<\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\" data-type=\"\" data-css=\"tve-u-19ddb6abc4f\">\n<h2 class=\"\">Time<\/h2>\n<ul class=\"\">\n<li><strong>July 1, 2026:<\/strong> Service providers have started issuing 90-day notices<\/li>\n<li><strong>September 30, 2026:<\/strong> save tolerance ends<\/li>\n<li><strong>30 June 2028<\/strong>: All borrowers on remaining legacy plans (PAY, ICR) will have to move to RAP or IBR<\/li>\n<\/ul>\n<p>*There are reports that there may be a varying timeline and not all borrowers will see their savings forbearance expire in September. However, no clear communication saying otherwise has been provided.<\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\" data-type=\"\" data-css=\"tve-u-19ddb6abc50\">\n<p><strong>Available Repayment Plan Options: <\/strong>For now, borrowers can go to IBR, PAYE, or ICR. Starting July 1, all new federal loans will only have access to the tiered standard plan or Repayment Assistance Plan (RAP) created under the One Big Beautiful Bill Act. Existing borrowers on legacy income-driven repayment plans will have to transition to RAP or IBR by June 30, 2028.<\/p>\n<p><strong>Our view: <\/strong>Borrowers should not wait for the 90 day notice. Now calculate the monthly payments under each available plan (using the Federal Loan Simulator). <a rel=\"noopener\" target=\"_blank\" href=\"https:\/\/studentaid.gov\/\" class=\"\" style=\"outline: none;\">studentaid.gov<\/a> or College Investor&#8217;s RAP Calculator) is the difference between choosing a plan that fits the household budget and defaulting to a plan that does not fit the household budget.<\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\" data-type=\"\" data-css=\"tve-u-19ddb6abc51\">\n<p><strong>How it connects: <\/strong>College Investor has covered the SAVE transition extensively, including how RAP compares to IBR, what to do if your servicer hasn&#8217;t reached out, and why Senate Democrats are pushing to extend the transition window. With the transfer of the federal loan portfolio to the Treasury Department, the system handling these changes is being rebuilt at the same time borrowers are being asked to navigate it.<\/p>\n<p><strong>Don&#8217;t miss these other stories:<\/strong><\/p>\n<\/div>\n<div class=\"tcb-post-list tve-content-list thrv_wrapper\" data-type=\"\" data-pagination-type=\"none\" data-pages_near_current=\"2\" data-css=\"tve-u-19ddb6abbcc\" data-no_posts_text=\"There are no posts to display.\" data-total_post_count=\"3\" data-total_sticky_count=\"0\" data-disabled-links=\"1\">\n<article id=\"post-58820\" class=\"post-58820 post type-post status-publish format-standard has-post-thumbnail category-federal entry post-wrapper thrv_wrapper thrive-animated-item \" data-id=\"58820\" data-selector=\".post-wrapper\">\n<style class=\"tcb-post-list-dynamic-style\" type=\"text\/css\"><!(CDATA(@media (min-width: 300px){(data-css=\"tve-u-19ddb6abbcc\").tcb-post-list #post-58820 (data-css=\"tve-u-19ddb6abbd2\"){background-image: url(\"https:\/\/thecollegeinvestor.com\/wp-content\/uploads\/2023\/11\/TheCollegeInvestor_AllSizes_How_Accurate_are_College_Admissions_Calculators_1280x720-150x150.jpg\") !important;}}))><\/style>\n<div class=\"tve-article-cover\">Repayment Assistance Plan (RAP) Student Loan Calculator<\/div>\n<\/article>\n<article id=\"post-77630\" class=\"post-77630 post type-post status-publish format-standard has-post-thumbnail category-news tag-student-loans entry post-wrapper thrv_wrapper thrive-animated-item \" data-id=\"77630\" data-selector=\".post-wrapper\">\n<style class=\"tcb-post-list-dynamic-style\" type=\"text\/css\"><!(CDATA(@media (min-width: 300px){(data-css=\"tve-u-19ddb6abbcc\").tcb-post-list #post-77630 (data-css=\"tve-u-19ddb6abbd2\"){background-image: url(\"https:\/\/thecollegeinvestor.com\/wp-content\/uploads\/2026\/03\/Education-Secretary-Linda-McMahon-150x150.jpg\") !important;}}))><\/style>\n<div class=\"tve-article-cover\">Save Plan Tolerance Ending: What to Know<\/div>\n<\/article>\n<article id=\"post-18246\" class=\"post-18246 post type-post status-publish format-standard has-post-thumbnail category-student-loans entry post-wrapper thrv_wrapper thrive-animated-item \" data-id=\"18246\" data-selector=\".post-wrapper\">\n<style class=\"tcb-post-list-dynamic-style\" type=\"text\/css\"><!(CDATA(@media (min-width: 300px){(data-css=\"tve-u-19ddb6abbcc\").tcb-post-list #post-18246 (data-css=\"tve-u-19ddb6abbd2\"){background-image: url(\"https:\/\/thecollegeinvestor.com\/wp-content\/uploads\/2021\/05\/Credible_Student_Loans_Review_1280x720-150x150.png\") !important;}}))><\/style>\n<div class=\"tve-article-cover\">5 Legal Ways to Lower Your Student Loan Payments<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"sabox-authors\">\n<div class=\"saboxplugin-wrap\" itemtype=\"http:\/\/schema.org\/Person\" itemscope=\"\" itemprop=\"author\">\n<div class=\"saboxplugin-tab saboxplugin-tab-about\">\n<div class=\"saboxplugin-gravatar\"><img decoding=\"async\" src=\"https:\/\/thecollegeinvestor.com\/wp-content\/uploads\/2023\/03\/New-Profile.jpg\" width=\"100\" height=\"100\" alt=\"robert farrington\" itemprop=\"image\"\/><\/div>\n<div class=\"saboxplugin-desc\">\n<div itemprop=\"description\">\n<p>Robert Farrington is the founder of The College Investor and is recognized as one of the nation&#8217;s leading voices on student loan debt and saving for college. He holds an MBA from the UC San Diego Rady School of Management and has spent more than 15 years researching, writing and advising on student loans, 529 plans, financial aid programs and savings and investing for young professionals.<\/p>\n<p>Robert is featured in <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nytimes.com\/2023\/05\/19\/your-money\/interest-rates-federal-student-loans.html\">the new York Times<\/a>, <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.wsj.com\/buyside\/personal-finance\/student-loans\/how-to-pay-off-student-loans\">wall street journal<\/a>, <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.washingtonpost.com\/news\/grade-point\/wp\/2015\/12\/31\/these-states-might-forgive-some-of-your-student-debt\/?wprss=rss_education\">Washington Post<\/a>, <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nbcnews.com\/politics\/college-costs-keep-snowballing-bidens-efforts-ease-student-debt-burden-rcna49589\">nbc news<\/a>And <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.forbes.com\/sites\/robertfarrington\/#73b84710682b\">forbes<\/a>where he has been a regular personal finance contributor for over a decade. His work combines both professional expertise and personal experience \u2013 he successfully completed his student loan repayment journey and has helped thousands of readers do the same.<\/p>\n<p>He is committed to making the intersection of personal finance and education transparent and accessible. You can learn more about Robert on his About page or at his personal site <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/robertfarrington.com\/\">robertfarrington.com<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!--<rdf:RDF xmlns:rdf=\"http:\/\/www.w3.org\/1999\/02\/22-rdf-syntax-ns#\"\n\t\t\txmlns:dc=\"http:\/\/purl.org\/dc\/elements\/1.1\/\"\n\t\t\txmlns:trackback=\"http:\/\/madskills.com\/public\/xml\/rss\/module\/trackback\/\">\n\t\t<rdf:Description rdf:about=\"https:\/\/thecollegeinvestor.com\/79815\/save-borrowers-have-90-days-after-july-1-to-switch-plans\/\"\n    dc:identifier=\"https:\/\/thecollegeinvestor.com\/79815\/save-borrowers-have-90-days-after-july-1-to-switch-plans\/\"\n    dc:title=\"SAVE Borrowers Have 90 Days After July 1 to Switch Plans\"\n    trackback:ping=\"https:\/\/thecollegeinvestor.com\/79815\/save-borrowers-have-90-days-after-july-1-to-switch-plans\/trackback\/\" \/>\n<\/rdf:RDF>-->\n<\/div>\n<p class=\"dpsp-share-text dpsp-hide-on-mobile\" data-testid=\"grow-inline-share-text\" style=\"margin-bottom:10px\">\n<p>\t\tplease share and support\t<\/p>\n<footer class=\"entry-footer\">\n<p>\n        <strong>Editorial Disclaimer:<\/strong> The opinions expressed herein are solely those of the author, not of any bank, credit card issuer, airlines or hotel chain or other advertiser and have not been reviewed, approved or otherwise endorsed by any of these entities.\n    <\/p>\n<p>\n        <strong>Comment Policy:<\/strong> We invite readers to respond with questions or comments. 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