2026 Student Loan Repayment Policy Changes
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Student Loan Policy Updates and Deadlines
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Federal student loan repayment is undergoing its most significant restructuring in nearly two decades. Changes start taking effect on July 1, 2026.
• The Repayment Assistance Plan (RAP), a new income-driven repayment option, launches July 1, 2026. New borrowers default into Standard Repayment (with RAP as an opt-in).
• Parent PLUS borrowers face the strictest changes and must have consolidated loans before July 1, 2026 to retain eligibility for income-driven repayment plans and forgiveness.
• PSLF is here to stay, but qualifying plans and employer eligibility rules are changing.
• Popular repayment plans like SAVE, PAYE, and ICR are being phased out, and most borrowers will need to switch by 2028.
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Benefits of Savi Student Loan Debt Repayment Tool for all nonmembers, AARP members and their families
- Help Center: Get answers to common questions and challenges facing student loan borrowers (e.g., Social Security Garnishment, Default, etc.).
- Webinars: Talk with trained student loan experts who help AARP users by answering questions and inform members about relevant policy changes including the latest legislative updates.
- Customized Tips: Learn ways to navigate the Savi experience more easily.
- Customized Loan Default Support Page: Access information and resources to help avoid default or get out of default.
- Dedicated and Trained Customer Support: Get 1-on-1 consultation about your student loan forgiveness and repayment options.
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