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Today’s Lead Story
Thursday, June 18

Debt

New Federal Student Loan Plan Launches July 1 — Millions Face a Repayment Decision

via NerdWallet

The Repayment Assistance Plan (RAP) takes effect July 1, 2026, replacing the defunct SAVE plan with income-based payments set at 1–10% of adjusted gross income and a 30-year path to loan forgiveness.

Why it matters

Borrowers currently in SAVE or other phased-out plans need to evaluate whether to switch to RAP before July 2028 — the wrong choice could mean higher monthly payments for years.

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