On Dec. 9, 2025, the U.S. Department of Education announced a proposed settlement agreement that would end the Saving on a Valuable Education (SAVE) Plan. The settlement must be approved by the court before it can be implemented. Borrowers can use the Loan Simulator to begin exploring other repayment options. For more information, visit StudentAid.gov/courtactions.

On Oct. 30, 2025, the U.S. Department of Education published final Public Service Loan Forgiveness (PSLF) program regulations that will be effective on July 1, 2026. We’ll provide updates when the regulations are implemented. For now, there are no impacts to borrowers, payment counts, or discharges. Visit StudentAid.gov/publicservice for more information about PSLF and current program requirements. For more information about employer eligibility, visit StudentAid.gov/pslf/employer-search. To apply for PSLF, use the PSLF Help Tool at StudentAid.gov/pslf.

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Managing Student Loans

Repaying Student Loans

If you have just graduated or have been making payments on your loans for years now, know that there is no time limit on exploring your repayment options. If you find a repayment plan while browsing through the articles listed here, you can have it applied to your student loans through your servicer.