If you’ve been riding the SAVE Plan forbearance wave, a big shift is headed your way. The Department of Education announced that the SAVE forbearance will officially end on August 1, 2025. That means interest starts ticking again, and borrowers will be pushed to switch repayment plans. Most will be steered toward the old Income-Based Repayment (IBR) plan, especially with the One Big Beautiful Bill Act set to overhaul everything in July 2026. But you’ve still got options.

Find out what the end of SAVE forbearance means for your loans, what the government is recommending (and why), and how you can make the smartest move for your student loans.

Key moments:

(04:01 ) Choosing between IBR and RAP depends on PSLF status, years in repayment, and forgiveness goals
(07:46 ) PSLF isn’t dead: why potential policy reversals don’t mean your forgiveness plan is doomed
(09:41 ) When paying off your loans might actually make more sense (and how to get a lower interest rate)
(14:50 ) After years of chaos, borrowers just want stable rules so they can actually plan their lives

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