SAVE Wind-Down, Repayment and PSLF Transition Chaos

SAVE has ended for 7.5M–8M borrowers, with 6.9M required to choose replacement plans by September 29. Borrowers face possible Tiered Standard placement and October or November bills, with reports of tripled payments, failed recertifications, hidden interest, disappearing PSLF counts, overdrafts, and MOHELA false delinquency or garnishment notices. IRS electronic income consent may speed IDR and RAP applications, while a temporary 1% autopay rate reduction is offered through September 30; payment-continuity and debit-error risks remain.