EPISODE RESOURCES

Schools Eligible for Discharge

SAVE Plan Court Update, Forbearance Strategy, and a Borrower Defense Deadline Ruling

This episode provides an update on the still-unlikely revival of the SAVE repayment plan and what borrowers in SAVE administrative forbearance should consider. SAVE, created by the Biden administration and popular for its low payments and generous forgiveness, remains effectively halted: borrowers can’t newly enroll, interest accrues, optional payments don’t earn IDR or PSLF credit, and the plan appears headed toward phase-out by 2028. A recent court development removed the case due to lack of dispute after the parties agreed to end SAVE, creating temporary uncertainty, and we talk about what comes next for those seeking forgiveness and those planning to pay off their loans in full. We also preview the upcoming Repayment Assistance Plan expected mid-2026, noting it may lower payments for families under $100k AGI, and share a separate court ruling granting loan discharges for certain defrauded-student applicants after the Department of Education missed a deadline.

00:00 Save Plan Update
00:58 Why Save Is Stuck
02:02 Court Twist Explained
03:22 Is Save Coming Back
04:46 Stay or Exit Forbearance
06:26 Best Backup Repayment Plans
07:05 Repayment Assistance Preview
09:15 Borrower Defense Ruling
10:42 Wrap Up and Next Episode