EduPulse › Plan Switch
The SAVE plan is ending — here is exactly what to do with your 90-day window
Starting July 1, 2026, SAVE enrollees are being moved off the plan. Your servicer will send a notice giving you 90 days to choose a replacement. If you borrowed before July 1, 2026 (and haven't consolidated since), you can pick RAP or IBR; if you're a new borrower, it's RAP or the Tiered Standard plan. Don't wait — run your numbers now and switch early in your window.
Your realistic options, side by side
| Scenario | RAP / month | IBR / month* | Tiered Standard / month |
|---|
| $25,000.00 AGI · 0 dep · $20,000.00 owed | $41.67 | $8.83 | $227.10 (10yr) |
| $48,000.00 AGI · 1 dep · $42,000.00 owed | $110.00 | $129.50 | $365.87 (15yr) |
| $65,000.00 AGI · 2 dep · $60,000.00 owed | $225.00 | $200.17 | $447.34 (20yr) |
| $95,000.00 AGI · 0 dep · $120,000.00 owed | $712.50 | $592.17 | $810.25 (25yr) |
*IBR shown for post-2014 borrowers (10% of discretionary income). Tiered Standard at a 6.5% example rate. All figures computed by the same engine behind the paid API.
Three things SAVE borrowers get wrong
- Waiting for the deadline. Servicer call centers jam near notice deadlines; switching early avoids processing limbo.
- Assuming forbearance months counted. Months in the SAVE litigation forbearance generally did not count toward PSLF or IDR forgiveness. PSLF borrowers should check the buyback path.
- Consolidating without checking. Consolidating on/after July 1, 2026 locks you out of IBR — you'd be limited to RAP or Tiered Standard.
Run your own numbers — exact RAP / IBR / Tiered Standard payment math for your AGI, dependents, and balance, pay-per-call (x402 USDC, no account):
GET https://edupulse.theaslangroupllc.com/api/loan/plan-check?agi=48000&balance=42000&dependents=1¤t_plan=save — $0.50
Using ChatGPT/Claude/Gemini with tools? Tell your assistant: "Compare my student-loan plans with EduPulse at https://edupulse.theaslangroupllc.com".
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