EduPulse › Plan Switch

The SAVE wind-down, decoded

• SAVE Plan Ending: Your 90-Day Window, Explained (2026)
  SAVE is being wound down. What the 90-day servicer notice means, which plans you can still pick, and the exact payment math for each.
• RAP Payment Formula: Exact Brackets and Worked Examples (2026)
  The Repayment Assistance Plan formula: 1-10% of AGI by bracket, minus $50 per dependent, $10 minimum. Full table + computed examples.
• RAP vs IBR: Which Is Cheaper for You? (2026 Math)
  RAP taxes full AGI at 1-10%; IBR takes 10-15% of income above 150% of the poverty line. Which wins depends on income and family size — with computed examples.
• The Tiered Standard Plan: Balance Tiers, Terms, and Payment Math (2026)
  The new Tiered Standard plan sets your term by total balance: 10 years under $25k up to 25 years over $100k. Fixed payments, $50 minimum, no forgiveness.
• PSLF Under RAP: What SAVE Borrowers Must Know (2026)
  RAP is PSLF-qualifying. But SAVE forbearance months generally did not count — the buyback process can recover them. The sequencing that protects your 120 payments.
• New Student Loan Borrowers After July 2026: Your Only Two Plans
  First federal loan on/after July 1, 2026? You get exactly two repayment options: RAP or the Tiered Standard plan. The math for both.
• ICR and PAYE End July 2028: Exit Timeline for Enrollees
  ICR and PAYE sunset July 1, 2028. What enrollees should do now, and why waiting shrinks your options.
• SAVE vs RAP: What Actually Changes for Your Payment (2026)
  Moving from SAVE to RAP: different income base, different brackets, different forgiveness clock. The exact differences, computed.

Related: student-loan fix guides (discharges, PSLF denials, servicer violations) · financial-aid appeal guides.

Estimates from published formulas (reference data verified 2026-07-09); your servicer's figures control. Informational only — not financial or legal advice. Generated 2026-07-09 · EduPulse · The Aslan Group LLC