The SAVE plan lawsuit settlement just kicked off a seismic shift in federal student loan repayment, and it's not just about picking a new plan. Find out exactly how the forbearance clock is running out for millions, what you need to know about the new RAP repayment plan, and why 2024 and 2025 tax returns are going to hit especially hard for anyone recertifying with higher income.

We also look at strategies to avoid payment shock, the latest on Parent PLUS consolidation, and ripple effects for people banking on loan forgiveness or stuck in limbo with borrower defense claims.

Chaos is coming, but you don't have to figure it out alone.

Key moments:

(01:56) Why some borrowers have 90 days to switch to a new repayment plan

(06:21) How recertifying with 2024 or 2025 tax info could shock your monthly payments

(08:24) When refinancing might make sense again (and why more borrowers are considering it)

(12:04) Urgent deadlines and steps for Parent PLUS loan borrowers

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