Think you can keep old loans in IBR while a new loan goes to RAP? That's not how the rule works. Here's what one new Direct Loan after July 1, 2026 actually does to your whole portfolio.
Regulations mention REPAYE. Borrowers still say "SAVE." Neither is a plan you can count on right now. Here's what the transition rules actually confirm, and the four dates that decide your real option
PAYE is closing off as a repayment plan under the 2026-2028 transition rules. Leaving it is permanent. Here's what to check before you switch to RAP or IBR.
Discover why CSLP expertise is crucial for navigating student loan changes in financial planning.