Post–July 1 Federal Student Loan Updates: SAVE Forbearance Delays, Recertification Strategies, Rate Discounts, and Lawsuit Wins

In this episode, we share some unexpectedly-positive updates post the July 1st deadline, including SAVE forbearance potentially being extended for some borrowers until deep into 2027. The episode covers common studentaid.gov application errors, income recertification strategies (IRS access vs. manual documents, pay stubs, and temporarily increasing pre-tax contributions), and revoking IRS data consent on studentaid.gov.  Additional updates include a temporary interest-rate discount up to 1%, and two lawsuit-related wins: a court blockage of the proposed PSLF employer restrictions, and a pause on lower graduate borrowing caps, allowing up to $200,000 for certain graduate borrowers enrolling next semester.

00:00 Upbeat Loan Updates
01:12 SAVE Forbearance Timeline
02:45 More Time and Tradeoffs
04:35 Recertification System Glitches
06:07 Lowering Payments Strategies
10:00 Revoke IRS Access Steps
10:43 High Income IBR Cap Hack
13:36 New Interest Rate Discount
15:29 Court Wins PSLF and Grad Loans
19:41 Wrap Up Key Takeaways