Repayment
SAVE Ended in 2026: Deadlines and Repayment Options
SAVE ended effective March 10, 2026. Affected borrowers receive a servicer deadline to choose RAP, IBR, or another available legal repayment plan.
The Saving on a Valuable Education (SAVE) Plan ended effective March 10, 2026. It is not paused for possible restoration and is no longer an available federal repayment plan. Pending SAVE applications are denied, and affected borrowers must move to a legal repayment plan.
The 90-day transition
Beginning July 1, 2026, servicers issue notices that state each borrower's specific deadline. The notice provides at least 90 days to select and enroll in an available legal plan. A borrower who does not act by the stated date may be placed automatically in Standard or Tiered Standard.
Compare only available plans
RAP became available July 1, 2026. IBR and certain legacy plans may remain available depending on the borrower's loan type and dates. The correct option cannot be selected from the former SAVE terms; use the federal repayment calculator and the plan choices shown for the account.
Frequently asked questions
Can SAVE return after more litigation?
SAVE ended effective March 10, 2026. Borrowers should act on the current transition notice rather than wait for SAVE to return.
When must a former SAVE borrower choose another plan?
Use the specific deadline in the servicer notice. The Department states that the notice provides at least 90 days.