In this episode of Student Loans After SAVE, we break down the 90-day notice flooding borrower inboxes as the SAVE plan winds down. With limited time before payments resume, the choices narrow to RAP, IBR, and Tiered Standard—each with unique payment formulas, forgiveness timelines, and recertification rules. We map these options into a clear flowchart timed to servicer waves, helping you compare your income, family size, and loan balance against each path before deadlines hit. New Direct Loan borrowers entering after July 2026 will start here too, making early preparation essential. The show itself will expire once all transitions complete, so these episodes deliver actionable steps while they matter most.
Key takeaways:
- Read the full notice immediately and mark your 90-day clock
- Gather pay stubs, tax returns, and household details to run accurate comparisons
- Contact your servicer early to confirm requirements and avoid processing delays
- Track every interaction and use portal tools to test RAP versus IBR versus Tiered Standard against your budget
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5 mins