Student loan repayment rules are set to shift starting July 1, 2026. The SAVE plan has already been removed, and many borrowers will lose some repayment choices as new income based plans are introduced. Options like RAP will depend on borrower income, while your loan date will determine eligibility and the path you can take. Borrowers are urged to review their plans early to avoid sudden changes.
A major US student loan shakeup in 2026 will reduce the number of repayment plans and impose stricter borrowing limits for parents and graduate students. Some existing options will be phased out while new pathways come in. For families planning college costs, the timing of decisions may matter even more as the rules change how repayments and borrowing strategies are built.
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