Student-loan repayment and PSLF failures after SAVE transition

The September 29 SAVE transition deadline has passed, putting borrowers who did not choose replacement plans at risk of automatic placement into Standard or Tiered Standard repayment and bills beginning in October or November. Servicing and court-related forbearance threaten PSLF credit, while defaults exceed 9.3 million borrowers and $234 billion. A newly reported 1-percentage-point auto-pay interest reduction offers limited relief for eligible borrowers through June 2028; RAP, Treasury's planned takeover of roughly 10 million loans, Parent PLUS limits, and benefit offsets remain unresolved.