RAP, Tiered Standard, and the July 1 changes
The new repayment options, date-sensitive eligibility, and the plans expected to end by 2028.
Read briefing ↗POLICY BRIEFINGThe 2026 repayment reset
Home / Updates
THE UPDATE DESK
Important changes, explained in plain English.
We prioritize notices that can affect what a borrower needs to compare, document, or verify. Each briefing links to official information so you can read the original source.
Latest content review: October 11, 2026Updates are not a substitute for account-specific notices
How to use this page
For deadlines tied to your account, follow the actual notice from your official loan servicer. Article dates show when this site reviewed the information; they do not replace government or servicer deadlines.
URGENT FOR SAVE BORROWERSRead the notice—not the rumor
SAVE ended: the transition process
How the 90-day window works, why your notice date matters, and what may happen if you miss the final deadline.
Read transition guide ↗INTEREST CHECKA temporary rate benefit
1% auto-pay reduction: Dec. 31 deadline
What current guidance says, where to verify eligibility, and why you should read the actual authorization.
Read auto-pay briefing ↗COURT WATCHPSLF form clarification
The June 30 PSLF employer-rule decision
The narrow employer-rule attestation that was vacated before taking effect—and what borrowers should still verify.
Read PSLF update ↗HOW-TOBuild your action plan
Step-by-step IDR application walkthrough
Gather the right information, compare plans, apply through official channels, then monitor the result.
Open DIY guide ↗PLAN EXPLAINERUnderstand RAP first
How RAP calculates monthly payments
AGI-based formula, dependent adjustment, minimum payment, repayment term, and tradeoffs.
Open RAP guide ↗KEEP THE SOURCE IN VIEW
Official source first. Clear explanation second.
Our sources page lists the federal and regulatory pages used for the library and explains how we distinguish facts from interpretation.