April 20, 2026

The SAVE Plan Is Dead. Here Is Your 90-Day Playbook.

14 minutes

This episode breaks down the end of the SAVE student loan repayment plan, what the new 90-day decision window starting July 1 actually means, and how to interpret the wave of emails hitting borrowers’ inboxes. Derek explains why balances may have grown during forbearance, what happens if you ignore the notices, and how to choose between income-driven plans like IBR, the upcoming RAP program, and the Standard Repayment Plan.

Listeners will learn how the transition away from SAVE affects their monthly payments, credit, and repayment timeline, along with a simple framework for picking a plan based on income, public service status, and total balance. The conversation focuses on practical next steps, so you can make an informed choice instead of being auto-enrolled in a plan that does not fit your situation.

Understand the post-SAVE landscape: What ended with SAVE, how forbearance plus interest growth created higher balances, and how the 90-day decision window works.

See the real risks of inaction: How doing nothing can move you into the Standard Repayment Plan, create payment shock, and lead to delinquency, default, and credit score damage.

Use a simple decision tree: When IBR or RAP make sense, when the Standard Plan may be better, and how public service borrowers can stay on track for PSLF.

Get a RAP payment example: A concrete look at RAP payments on a $50,000 income and why new loans can quietly pull all your loans into RAP if you are not paying attention.

Follow a three-step checklist before July 1: Log into StudentAid.gov, run your numbers in the Loan Simulator, and talk to your servicer if payments feel unmanageable.

If this episode helps you make a decision on your loans, consider subscribing so you are ready for the next big money change. Have a financial decision you are stuck on? Share it in a review and it may show up in a future episode.

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By Coin Flip

April 20, 2026

The SAVE Plan Is Dead. Here Is Your 90-Day Playbook.

14 minutes

Understand the post-SAVE landscape: What ended with SAVE, how forbearance plus interest growth created higher balances, and how the 90-day decision window works.

See the real risks of inaction: How doing nothing can move you into the Standard Repayment Plan, create payment shock, and lead to delinquency, default, and credit score damage.

Use a simple decision tree: When IBR or RAP make sense, when the Standard Plan may be better, and how public service borrowers can stay on track for PSLF.

Get a RAP payment example: A concrete look at RAP payments on a $50,000 income and why new loans can quietly pull all your loans into RAP if you are not paying attention.

Follow a three-step checklist before July 1: Log into StudentAid.gov, run your numbers in the Loan Simulator, and talk to your servicer if payments feel unmanageable.

...more

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The SAVE Plan Is Dead. Here Is Your 90-Day Playbook.

The SAVE Plan Is Dead. Here Is Your 90-Day Playbook.