SAVE-to-RAP Transition, Buyback Changes, and PSLF Counting Traps

The SAVE transition remains urgent amid failed RAP applications, delayed paper forms, CRI/servicer-transfer problems, and persistent servicing glitches; ED's updated paper application is a fallback when online access fails, but borrowers must document submission and verify status. Notice-specific deadlines, possible 30-year RAP forgiveness, buyback exclusion, strict payment rules, limited switching, and uncertain IBR treatment make plan comparison essential. The separate temporary one-percentage-point autopay rate reduction runs through December 31, 2026.