Stay on SAVE if available
Lowest$0 - $50
Often the lowest payment, but availability and processing can change.
- May keep payments low while eligible
- Could include interest benefits
- May not be available for every borrower
For borrowers watching the SAVE Plan transition
SAVE Plan Deadline Checker
Find out whether you may be affected, estimate your 90-day action window, and compare repayment paths before choosing your next step.
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Deadline estimate
Check your SAVE Plan window
May be affected
Servicer not selected
Watch for a notice after July 1, 2026
Borrowers on SAVE are expected to receive servicer notices. Your 90-day action window depends on the notice date listed by your servicer.
StartNotice date
Action window90 days
Estimated deadlineTBD
Use the date on your official servicer notice before making repayment decisions.
Repayment path comparison
See how common paths can differ
These estimates are simplified and should be checked against Federal Student Aid tools before you apply or switch plans.
Move to another IDR plan
Review$80 - $180
Options may include IBR, PAYE, ICR, or a new repayment assistance path if eligible.
- Income and family size can matter
- Forgiveness timelines vary
- PSLF borrowers should confirm qualifying payments
Standard or tiered repayment
Highest$250 - $400
Fixed or tiered payments may cost more each month and may not lead to IDR forgiveness.
- Payments can be predictable
- May repay faster
- Confirm before letting a plan change happen by default
How it works
Use your official notice as the source of truth
- 1
Confirm your plan. Check your Federal Student Aid account or servicer dashboard.
- 2
Find your notice date. Your 90-day window should start from the date listed by your servicer.
- 3
Compare repayment paths. Review monthly payment, forgiveness, and PSLF effects before changing plans.
- 4
Keep records. Save notices, application confirmations, and screenshots of submitted forms.
Servicer action checklist
Before your window closes
Key dates
The SAVE transition timeline
Dates can change through court orders, agency guidance, and servicer notices. Always verify the latest official information.
Education Department guidance issued
The Department said SAVE borrowers would be directed to enter another federal repayment plan.
Servicer notices expected
Borrowers may receive instructions about repayment plan options and action windows.
Estimated action deadline
Your deadline depends on the notice date from your servicer.
Plan changes may be applied
Review your account before a default plan change affects payments.
Frequently asked questions
Fast answers for SAVE borrowers
Is this an official student loan website?
No. This site is independent and does not replace Federal Student Aid, your loan servicer, or legal advice.
What if I have not received a notice?
Leave the notice date blank and check your servicer account regularly. Your real deadline should be based on the notice you receive.
Can I use this if I am not on SAVE?
Yes, but the deadline estimate is mainly for borrowers affected by the SAVE transition. You can still use the comparison section to prepare questions for your servicer.
Does this site store my loan information?
No. The checker runs in your browser and does not ask for private account identifiers.
Official sources
Verify before you act
Use this site as a starting point, then confirm details with government and servicer sources.