About this episode

The episode discusses the implications of the SAVE plan lawsuit settlement on federal student loan repayment and strategies to navigate upcoming changes.

The SAVE plan lawsuit settlement just kicked off a seismic shift in federal student loan repayment, and it's not just about picking a new plan. Find out exactly how the forbearance clock is running out for millions, what you need to know about the new RAP repayment plan, and why 2024 and 2025 tax returns are going to hit especially hard for anyone recertifying with higher income. We also look at strategies to avoid payment shock, the latest on Parent PLUS consolidation, and ripple effects for people banking on loan forgiveness or stuck in limbo with borrower defense claims. Chaos is coming, but you don't have to figure it out alone. Key moments: (01:56) Why some borrowers have 90 days to switch to a new repayment plan (06:21) How recertifying with 2024 or 2025 tax info could shock your monthly payments (08:24) When refinancing might make sense again (and why more borrowers are considering it) (12:04) Urgent deadlines and steps for Parent PLUS loan borrowers Like the show? There are several ways you can help! Follow on Apple Podcasts , Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app…

Topics covered

• student loan repayment
• SAVE plan
• forbearance
• RAP repayment plan
• Parent PLUS consolidation
• loan forgiveness
• borrower defense claims

Keywords

• payment shock
• recertifying
• refinancing
• urgent deadlines

More episodes of Student Loan Planner

• Borrower Defense, PSLF Buyback, and IDR Recertification Chaos · April 21, 2026 · 23 min
• How to Pay Student Loans During the Next Recession · April 7, 2026 · 17 min
• Is Student Loan Forgiveness Dead? · March 31, 2026 · 26 min
• IDR Recertification Backlogs, Glitches, and Scary Letters · March 24, 2026 · 27 min
• Why PSLF Could Die By the Mid-2030s · March 17, 2026 · 19 min
• Tax Extensions Can Lower Your Student Loan Payments · March 10, 2026 · 28 min

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