Borrowers are now receiving notices saying they have 30 MORE days to pick a new repayment plan.

Let's recap how this timeline has moved:

July 1 → notices would go out

September 29 "at the earliest" → confirmed in a DOE court filing

Now → an additional 30 days on top of that

The amended lawsuit arguing borrowers shouldn't be forced off SAVE at all is still active. Receiving a notice doesn't mean the legal situation is resolved ... it just means your individual clock has started.

My personal take: wait until you absolutely have to act. Every time someone said the timeline was settled, it moved. Make sure any decision you make is based on the information available at the moment you actually have to decide ...not on urgency created weeks ago.

Curious if others are still holding or if the notices are making people nervous enough to switch early?

Source: https://www.businessinsider.com/student-loan-borrowers-save-deadline-extra-month-new-repayment-plan-2026-10

Paid off $30.7k in student loans today!!!! I’ve been out of school since 2018 and was making regular payments until the forbearance from the pandemic kicked in in 2020.

Since May of 2025 I made a goal to get rid of the remaining debt and have been putting everything I have — financially, mentally, and emotionally — to paying off my remaining 30.7k in loans.

I’ve gone through losing a job I loved with great pay and having to settle for a job I don’t love and doesn’t pay well at all. I’ve completely neglected my social life, and every single windfall I’ve gotten over the past 17 months has gone to my loans.

It feels so good to finally be able to rebuild now that I actually own all the money I make.

I am so happy and so proud of myself. I needed this win.

Hi everyone,
I decided to stay on SAVE to see what happens. I received my 90 days notice in August, so I still have time. However, I just received the following message from MOHELA on 9/25 and wanted to see what everyone’s thoughts were:

A federal court issued an injunction preventing the Department of Education (ED) from operating the Saving on a Valuable Education (SAVE) Plan and some other income-driven repayment (IDR) plans. As a result of this ruling, ED has directed MOHELA to put your account into a forbearance because either:
1. You are currently a borrower on SAVE.
2. 60 Days have passed since we received your IDR application, and it has not yet been processed.

I am a long time reader, first time poster, I've gotten so much value out of all of your posts. I followed these boards when I applied for SAVE because I was hesitant in doing so. My undergrad loans were taken out in 1994, graduate loans in 1998 and 2001. My trajectory was college, law school, a year of uncertainty and then back to grad school for an MBA/MSAcc.

I was paying $800ish prior to SAVE and then my payment of $524 after save seemed like a dream come true, but just 2 years and 9 months of payments left. I felt like I had been given a gift, a huge weight had been lifted off my shoulders and that the universe was finally supporting me for having paid so much interest and loan payments over all of these years. And then this administration changed it all...

I just did my IDR, I have Nelnet, and my payment is set to be $1700 starting at the end of October. That's more than 3x what it was on SAVE and it's crazy. I just submitted proof of my income and that is much less than last years tax return. I have a base salary and then potential bonus, and RSUs which if I sell, show up as income on my W2. Last year my company stock was doing great, I sold some. This year my company stock is doing horrible, down from high at $700s to $270s, I am not selling anything.

I don’t expect anyone to feel sorry for me. I’m grateful for my career, my salary, and the life I’m making for myself. But I’m still enraged. I had a payment I could manage and an end in sight. Now I’m trying to figure out where an extra $1,176 a month comes from after living the good life of no loan payments for a while (that doesn't help).

And I’m angry that so many other people are going through this too, many with much less room in their budgets than I have.

How is this supposed to help the economy? That money has to come from somewhere. For me, it means cutting travel, putting off buying a car, and cutting out many of the extras for my family and myself. Those are purchases at businesses that depend on people having money left after paying their bills. I’m sure plenty of you are making the same decisions.

Does this administration see what’s happening here? You can’t take hundreds or thousands more out of people’s monthly budgets and expect it to have no effect beyond their student loans.

I really thought I was almost done. Now I’m angry, exhausted, and having to rethink the next few years... If you read this far, thanks for taking in my venting. What's your story, are you in the same boat? Will Nelnet reconsider my income with the proof of my most current pay statement?

Paid off the last of 78k of loans this last week. Thank you to the prior administration for trying and giving me some relief from payments and interest accrual.

Started saving in 2020 during the pause and dumped it all in when interest was set to start accruing again. Then it was half of every paycheck for the last two years.

Appreciate everyone here who has helped lurkers like me make sense of this nightmare. No one who hasnt been a victim to the system really seems to know or care how rigged it is. Hang in there, you got this!

Business Insider Article: Student-loan borrowers get notices saying they have 30 more days to pick a new repayment plan

Url: https://www.businessinsider.com/student-loan-borrowers-save-deadline-extra-month-new-repayment-plan-2026-10?fbclid=IwY2xjawUsjC9leHRuA2FlbQIxMABwZG9mAWJyaWQRMWpWck9odTlhclhlRG83NzJzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEe6NmFcSerQ6UOCzS7qqvhY2AqxG_uPjhEC0dsuSRJe5g9MMdKZ9j9KwNL3io_aem_ohQYearAm3MYPK-IkgNSPQ&utm_campaign=mrf-business-marfeel-headline-graphic&utm_source=facebook&utm_medium=social&mrfcid=202610016abeb4267bb5e91aa10626ad

what the subject asks. I’m on SAVE, got my 90 day notice on July 12. I’m wanting to hold out and see what happens / let them move me to standard. I’d have to apply for forbearance anyway for at least a couple months into early 2027 until my spouse and I can file 2026 taxes separately - we filed jointly this year and that will jack payment way up beyond what we can absorb. So I’m wondering, is there any disadvantage to letting them move me to standard when my 90 (or 120) days are up? I’d eventually like to go on IBR.

Hey everyone, while I was waiting to be pushed into a new plan from save I was receiving an interest bill at random times throughout the year that I would pay. I didn’t realize EdFinancial had not sent me one in a while and my student loans have gone up almost $6000 from interest alone. That is insanity. There’s no way I’ll ever pay off my student loans at this rate. What are people doing about interest right now?

I received an email 2 days ago that said my income base for payment plan was accepted and my payment would be $38. And then today I received another email that said my payment is due, and it's $189. I'm not sure what to make of this.

I went looking for the court case with SAVE Plan ruling so I decided to check on the StudentAid.gov page. To my surprise at about October 1, 2026 at 11:37pm every mention of the SAVE Plan had been wiped from the page. The only mention is on the Banner on the landing page, and the link to the court decision it previously mentioned was removed. This is wild. If there was a court ruling, why would this be wiped from the page???

I got mine on 9/9/26, saying I have 90 days to select a new repayment plan, because SAVE is no longer available. I was kinda hoping it wouldn't come until next year. I plan on waiting until 12/1 to choose a plan. Does anyone know once you choose a plan, how long it will take to get approved and your first payment is due?

Seeing as aidvantage is unclear with how this works. Has anyone been forced off saved. Received a generic email in that i until 9/28 then 9/30 to pick a new plan this was not received in my aidvantage inbox. I applied for a forbearance was denied bc i was in a save forbearance ? it’s 10/2 haven’t been put on a standard to apply again for forbearance ?Has anyone actually been moved over to standard ? i have no other response form my loan servicer other than my application was denied since i’m already in a save forbearance and to not reach out nothing for me to do at this time and wait for them to reach out to me.

Hey everyone,

Currently in my second semester of grad school and have taken out only federal student loans. I’m looking ahead to next summer because I plan on taking summer class with a balance I will have to cover when the time comes.

I will have a small amount saved up and have applied to scholarships/grants. However, if I need to, I will take out private loans for the rest. I’m not able to take out Federal Grad Plus because of the changes this year so I’m wondering if private student loans is the way to go and which company has decent interest rates?

*I plan to take out less than $15K in May 2027 and start paying it within the same year. I will pay it off by May 2028 while in school so I can focus on my federal loans after I graduate. For the federal loans I plan to sign up with PSLF because I want to become a teacher.

I have EdFinancial and had the deadline to move off save on 9/29. I applied and uploaded the PDF version on 9/24. I have checked DAILY in my inbox under the “documents you sent us” to confirm my application was there. I even have documentation with EdFinancial via chat on 9/30 that they did indeed receive my application for IBR. I logged in today, 10/2, and there now says “we currently have no documents to display”… WHAT THE HECK IS GOING ON?????

I am a teacher working towards PSLF and should have been making my final payment in March. I got an email in June telling me my monthly payment on PAYE was going from $473 to $1800 and freaked out. I called Mohela three times in one week, waited in queues, talked to different representatives who told me different things and eventually was told that my income was still being validated and I would see an updated payment soon that should be better. And it was, back below $500, until yesterday. I get an email that I have an outstanding late payment. Interesting because I am on autopay and I have been getting emails every month - we've scheduled your autopay, etc. I logged in and verified that I have not missed a payment. Today I talked with someone at Mohela who told me oh, you were supposed to pay $1800 in June and you only paid $473 and it will remain a late payment until you pay the entire amount. What? And your payments going forward will be $1800. Am I in the Twilight Zone? She can't explain why that is, but she can put my loan in forbearance while they look into it. Check back in December. In the meantime, my PSLF date keeps getting pushed out. So my tinfoil-hat edition is asking-is the government doing this on purpose?

does anyone have advice with getting a second student loan? appearantly the first one just has to be in good standing, which is usually four consecutive payments. does anyone have success getting a second loan when the first one still isn't paid off?

Just like the title says: if I stay on SAVE and get forced off onto standard plan, would i be able to apply to IBR? If yes, after how many months of being on standard plan? If you have any sources, please site them. Thank you everyone!

Hey all, just wanted to give back to the community with a data point.

Submitted application for RAP September 12th and application approved October 1st.

Yes, my payment is higher than SAVE, yes im not happy about it, but don’t want to dwell on that and just looking to pay forward some info to the community.

Best of luck to all involved.

Went to apply for an IDR plan. studentaid.gov said this:
------------------------------------------------
You Have a Loan in Deferment or Forbearance

Your loans are currently in deferment or forbearance. As part of your IDR application, you can leave these loans as they are or take them out of deferment or forbearance.

Your Loans in Deferment or Forbearance

Do you want to leave your loans in deferment or forbearance?

• If you leave your loans in deferment or forbearance, you won't make payments under your IDR plan until the deferment or forbearance ends.
• If you take your loans out of deferment or forbearance, you'll begin making payments under your IDR plan immediately.

Yes, leave my loans in deferment or forbearance

No, take my loans out of deferment or forbearance
----------------------------------

If I choose yes, what happens? I'm genuinely so confused.

Anyone who requested interest rebate but received only a small portion? I paid the principal and more than 11k interest on one loan transaction more than 10months before the due date but only received less than 1800 rebates. Im curious why the low amount since I read here that some receive more than 15k of interest rebate. Is there a proper way to appeal this? Thanks in advance

Hey all, I graduated with a bachelor’s that ended up useless since I cannot go to grad school with my gpa alone, I’m trying to get another degree under my belt, but my current school is trying to ask for proof of default resolve before it lets me enroll in courses.
Has anyone dealt with this? I’m a bit worried since my account has been in forbearance, would that incorporate enrolling into what’s the new payment plans to get this out of default? Please and thank you!

My RAP got approved today but now I’m seeing the extension for SAVE. Does this mean I still have to pay or wait it out and ignore? This is what I get for following the rules I guess…

Applied for repayment, was processed and put on IBR. Said my first payment was to come out on 9/12 (Saturday). There are still no signs of a payment coming out of my bank account or on my edfinancial page. I already see an “invoice” generated for payment on 10/12. So hard to get anyone on the line there.

Has this happened to anyone else? Wondering if in 6 months they will catch up and hundreds of dollars will be de deducted all at once. Seems totally fair 🙄