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The federal SAVE Plan ended July 1, and NYC borrowers have 90 days to switch repayment plans before getting auto-enrolled in higher fixed payments

The federal SAVE student loan repayment plan ended July 1, 2026, and NYC borrowers have 90 days to switch plans or face automatic enrollment in higher fixed payments, per DCWP advisory.

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The federal SAVE student loan repayment plan, which calculated monthly payments based on a borrower’s income and family size, ended July 1, 2026, and people currently enrolled have 90 days to switch to a different plan before their loan servicer automatically moves them to the Standard Repayment Plan, according to a DCWP advisory published by Harlem World Magazine. The Standard Repayment Plan requires fixed monthly payments that do not adjust to income and may be higher than what borrowers are currently paying.

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