📰 2026 Updates

● SAVE plan blocked — courts ruled it unlawful; borrowers must switch to IBR or RAP before servicer deadlines ● PSLF payments still counting for qualifying borrowers — Employment Certification now mandatory annually ● Autopay 0.25% interest rate reduction reinstated through June 2028 — enroll immediately to lock it in ● Borrower Defense processing at historic lows — average wait now 3+ years; PSLF track may be safer bet ● IBR transition window open — borrowers exiting SAVE have 90-day deadline to select new plan before standard kicks in ● NIH Loan Repayment Program deadline: November 15, 2026 — up to $50,000/year for qualifying researchers ● Interest capitalization rules changed — unpaid interest no longer automatically added to principal under IBR ● New RAP plan launched as SAVE replacement — 5% of discretionary income, no forgiveness guarantee yet ● Student loan servicer transfers ongoing — confirm your servicer at studentaid.gov/aid-summary before next payment ● PSLF waiver credit still being applied — check your MOHELA account for retroactive payment counts ● SAVE plan blocked — courts ruled it unlawful; borrowers must switch to IBR or RAP before servicer deadlines ● PSLF payments still counting for qualifying borrowers — Employment Certification now mandatory annually ● Autopay 0.25% interest rate reduction reinstated through June 2028 — enroll immediately to lock it in ● Borrower Defense processing at historic lows — average wait now 3+ years; PSLF track may be safer bet ● IBR transition window open — borrowers exiting SAVE have 90-day deadline to select new plan before standard kicks in ● NIH Loan Repayment Program deadline: November 15, 2026 — up to $50,000/year for qualifying researchers ● Interest capitalization rules changed — unpaid interest no longer automatically added to principal under IBR ● New RAP plan launched as SAVE replacement — 5% of discretionary income, no forgiveness guarantee yet ● Student loan servicer transfers ongoing — confirm your servicer at studentaid.gov/aid-summary before next payment ● PSLF waiver credit still being applied — check your MOHELA account for retroactive payment counts

✦ Personalized by AI · Updated October 2026

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