We break down the major student loan repayment changes after the SAVE plan ends and explain what borrowers need to do within the 90-day decision window to avoid default. We share practical ways to choose a plan, reduce stress, and protect your budget, whether you are already repaying or planning for college.

• SAVE plan basics and what changes after June 30
• 90-day timeline to choose a new repayment plan
• Repayment Assistance Plan payments tied to income
• Income Based Repayment and long-term forgiveness rules
• Standard repayment and tiered standard options
• Why doing nothing leads to default risk
• What default can trigger for taxes wages and credit
• Public Service Loan Forgiveness eligibility and payment requirements
• Deferment versus forbearance and interest impacts
• How to find your servicer on studentaid.gov
• Advice for future students to borrow only what you need
• Grad PLUS changes and updated borrowing limits
• Parent PLUS borrowing caps and planning for cost of attendance
• Steps after graduation including exit counseling and record keeping
• Options for borrowers squeezed by rent insurance and basic bills

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*Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union.

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.*