About This Lesson
This AFT resource walks federal student loan borrowers through the major changes to the repayment system taking effect July 1, 2026, and the steps you can take to stay in an affordable plan and on track for Public Service Loan Forgiveness (PSLF).
The video covers:
- What's changing with the SAVE plan, including the 90-day deadline to choose a new plan once your servicer sends notice
- The new Repayment Assistance Plan (RAP) and how it calculates monthly payments
- Updated PSLF employer rules and which employers still qualify
- New borrowing caps for Grad PLUS and Parent PLUS loans, and changes to Parent PLUS eligibility for income-driven repayment
- Key dates and deadlines through 2028, including the phase-out of PAYE and ICR
- Three practical steps to protect your progress: confirm your current repayment situation, certify your PSLF employment annually, and document your loan records
