SAVE was struck down in March 2026, and about 7.5 million borrowers must now pick a new student loan repayment plan within 90 days of their own servicer notice — or be placed on a balance-based Standard plan projected at $674 a month for the typical borrower, up from a $110 typical SAVE payment. This explainer compares RAP, IBR, and Standard on one real example ($40,000 income, $30,000 of loans: $17 under SAVE, about $100 under RAP, about $134 under IBR, $333 on Standard), explains the 90-day plus 30-day final-notice deadlines, and gives the free step-by-step plan at StudentAid.gov. Follow US Money Guide for daily money tips!
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