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Millions of Student Loan Borrowers Face New Repayment Rules, Tighter Limits Starting July 1

6/29/2026

Sweeping changes to federal student loan repayment take effect July 1 under the One Big Beautiful Bill Act, eliminating several existing plan options and introducing two new plans that will eventually replace all others.

Millions of borrowers — including those enrolled in the now-defunct SAVE plan, parent PLUS borrowers and graduate students — must review their repayment status immediately or risk automatic reassignment to a default plan.

SAVE Plan Wound Down, Two New Plans Take Its Place Borrowers currently in the SAVE plan will receive notices directing them to enroll in a different repayment plan within 90 days.

Borrowers who do not act will be automatically placed in the standard repayment plan.

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