Reflections on the SAVE Forbearance Ending

The SAVE plan’s payment forbearance is supposed to stick around through 2028, but that’s looking unlikely. Here’s why we think the clock’s ticking on SAVE, what the latest lawsuit could mean for the plan’s future, and how new legislation is tightening the rules on forbearance across the board.

You’ll find out what this shift means if you’re currently on SAVE, what counts (and what doesn’t) during this forbearance period, and what you need to know now to help you avoid surprises later. It’s a confusing time for borrowers, but this episode gives you a clearer path forward.

Key moments:

(04:54) Why almost nobody should stay in SAVE forbearance after August 1st

(10:08) Don’t panic about the “Big Beautiful Bill” changes — it isn’t great, but it’s not a total disaster either

(12:33) Parent PLUS borrowers may lose access to affordable repayment options after July 2026

(15:35) Why tax-smart income strategies matter more than ever

 

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