SAVE plan vacatur and RAP implementation/payment-count integrity

July 1 deadline passed; auto-enrollment trap into Standard Repayment by September; 8M borrowers, auto-Tiered expensive enrollment risk for K-12 teachers; garnishment after 270 days; RAP $10 min/30yr; TLF/PSLF tax-free confirmed. OBBBA's July 1 deadline locks new loans into RAP or Tiered Standard, killing IBR/PSLF access for Parent PLUS and consolidation. New federal loans after July 1 carry RAP as only IDR option. Advocacy event amplifies urgency with real K-12 teacher stories. DOGE-era staffing cuts weaken oversight. Servicer errors giving wrong payment estimates compound risk. Confirmed: RAP qualifies for PSLF, Tiered Standard does not; SAVE forbearance months can be bought back. A new article (July 7) provides 90-day deadline for borrowers to pick a new plan, debunks myths that RAP resets payment counts, and confirms PSLF eligibility. NY AG warning adds authoritative weight. Nelnet staggering 90-day notices from July 2026 to March 2027 gives some borrowers up to a year to switch plans. PSLF Coalition/NCLC warns auto-enrollment defaults to Tiered Standard, not counting for PSLF. New obscure policy: RAP's zero-tolerance late payment rule—paying even one day late forfeits interest waiver and principal match, a hidden landmine for teachers on autopay (Kantrowitz, former ED official). Sept. 30 autopay incentive deadline adds urgency. New NCLC analysis breaks down RAP's 30-year forgiveness timeline and payment carryover traps. Today's articles (1DbIBV8i, 1DbTLmVK) add concrete wave timelines (Nelnet by end of 2026, MOHELA July–Oct 2026) and raise concerns about communication gaps and compressed deadlines for later waves. Key tip: switch before receiving notice to avoid the 90-day trap. A new article (ex-43a16f67) adds a critical nuance: the Standard Repayment Plan only counts toward PSLF if the borrower has PSLF paperwork on file. Teachers auto-enrolled into Standard without an active ECF will lose PSLF progress. This is a hidden trap that must be highlighted.