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Federal Student Loans Change July 1
Description
Major student loan changes kick in July 1st, impacting millions: Grad Plus is ending, SAVE borrowers must switch plans within 90 days, and Pay As You Earn & Income-Contingent Repayment are phasing out after July 28, 2026. New income-based and tiered repayment plans are launching, but the tiered plan doesn’t qualify for forgiveness. Defaulted borrowers get a second rehab chance starting July 1, 2027. Graduate students may face higher rates on private loans. Bottom line: pay down debt fast—check your options at studentaid.gov.
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