SAVE Plan Wind-Down and Implementation Chaos

6.9M borrowers still in SAVE; 90-day window to choose RAP or Tiered Standard ends Sept 29. Hidden interest accrual since Aug 2025. 46,000 enrolled in RAP day one with widespread errors. MOHELA glitch falsely reporting delinquencies for SAVE forbearance borrowers. Borrowers face auto-enrollment into Standard Repayment if they don't act. A federal court rejected a bid to restore SAVE as untimely; the REPAYE challenge remains alive but advocates give conflicting advice. New guidance on PSLF buyback option and payment count verification is critical for affected borrowers.