Recent court rulings and policy shifts have created confusion, leaving borrowers wondering what to do next. Should you stay on SAVE, switch plans, or wait it out? We break down what’s happening, why PAYE and ICR are back in the spotlight, and whether sticking with SAVE or switching plans is the smarter strategy.

We’ll also cover key financial factors that could affect your repayment plan, like credit card debt, maternity leave, and tax filing choices. If you’re unsure what this means for you, tune in for insights and next steps to keep your student loan strategy on track.

Key moments:

(03:38) When sticking with SAVE is the smartest financial move

(06:19) Ditching SAVE could fast-track PSLF loan forgiveness

(10:24) Your tax filing status could be the key to lowering your student loan payments

(16:09) If you borrowed federal loans between October 2007 and July 2014, PAYE might be a golden opportunity

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