SAVE ended. Start with your notice—not a guess.
The SAVE Plan has ended. Your best next move depends on the notice you receive, your loan types, income and family facts, and whether forgiveness or default is part of the picture.
This page does not determine eligibility, change a loan, or guarantee an outcome. Check current instructions from Federal Student Aid and your servicer before acting.
First, confirm what changed for you
Use the date and instructions in the notice from Federal Student Aid or your servicer. Do not assume another borrower’s deadline is yours.
Log in to StudentAid.gov to confirm your loan types, current status, and servicer before choosing a plan.
Gather the facts that change the comparison
- The SAVE-ending or repayment-plan notice you received.
- A current StudentAid.gov loan summary or servicer statement.
- Adjusted gross income or reliable proof of current income.
- Family size and tax-filing status.
- PSLF payment history if public-service forgiveness matters.
- Any delinquency, default, collections, or garnishment notice.
Compare the route before filing
Current federal choices can include income-based and fixed-payment paths. The Repayment Assistance Plan and Tiered Standard Plan became available July 1, 2026, while access to other plans depends on loan dates, loan types, and borrower history.
Use the official federal repayment calculator for an initial comparison. Treat every result as an estimate until the servicer confirms enrollment and the actual payment.
A streamlined plan-change workflow
This is usually a FormHaven route when the loans are not in default and the main job is comparing a plan and organizing the supporting documents.
Verify with the official source
Federal programs and forms change. These were the primary sources used for this guide's latest review.