SAVE-to-RAP Transition Auto-Enrollment Trap

Borrowers on SAVE are being auto-enrolled into RAP with a 90-day opt-out window. Nelnet staggers notices through end of 2026; MOHELA wave July–October 2026. On-time payment rule (July 1, 2026) and RAP's zero-tolerance late payment rule (resets 30-year forgiveness) create high stakes. A new MOHELA glitch causing false delinquencies adds a dangerous trap for K-12 teachers in SAVE forbearance—documenting and escalating errors is critical. Additionally, IDR applications are being silently canceled without notification, forcing reapplication and risking missed PSLF payments. The PSLF buyback backlog (89,720 pending, 27-month wait) adds urgency to switch to an active qualifying plan rather than wait for buyback.