The SAVE Plan Is Over — Millions of Student Loan Borrowers Now Face a 90-Day Decision

he SAVE Plan has ended, and affected federal student loan borrowers have 90 days from their servicer notice to choose a new repayment plan before automatic enrollment may begin – Shutterstock

The SAVE Plan is over, and for millions of federal student loan borrowers, the next move comes with a clock attached. Loan servicers began sending notices in 2026 telling affected borrowers to choose a new repayment plan, with 90 days from the date of the notice to make that decision.

This is not the kind of deadline that deserves the old “future problem” treatment. Borrowers who ignore the notice may end up in a repayment plan selected for them, which could mean a monthly bill that fits their budget about as comfortably as jeans from freshman year.