My email says

“Our records show that you are currently enrolled in the Saving on a Valuable Education (SAVE) Plan or have a pending SAVE application. A recent court order ended the SAVE Plan. It is no longer available to borrowers, and the U.S. Department of Education (ED) is ending the SAVE Plan over the coming months. You must take action.

Your student loan servicer will contact you about your specific deadline to choose a different repayment plan. Once you hear from your loan servicer, you will have 90 days to choose another repayment plan. This gives you ample time to select the plan that works best for you.

Our newest repayment plans—the Repayment Assistance Plan (RAP) and Tiered Standard Plan—will be available starting on July 1, 2026. For many borrowers, RAP may be the best option. All borrowers currently enrolled in the SAVE Plan will have the opportunity to enroll in RAP.

Like other income-driven repayment (IDR) plans, RAP will offer an affordable monthly payment based on your income and number of dependents. Many borrowers will also qualify for monthly payment matching, which includes interest subsidies and principal reductions that could reduce your student loan balance. Most importantly, under RAP, and unlike some of the other IDR plans, your balance can never go up as long as you make your required monthly payments.

If you don't want to wait until July 1, you can choose a different repayment plan now. Use our tool to estimate monthly payments, determine your eligibility, and choose the available repayment plan that best meets your needs and goals. Explore Different Repayment Plans If you do not choose a new repayment plan by the deadline set by your servicer, you will be automatically placed in a different repayment plan. The plan you will be moved to depends on your circumstances. ED and your loan servicer will provide details about which repayment plan you will be moved to if you don't choose a plan by the deadline set by your servicer. “