Student Loan Repayment

One New Student Loan Changes How All Your Old Ones Get Repaid

CSLP Team

Published on: 09/09/2026

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.

Student Loan Repayment

Stop Planning Your Student Loans Around REPAYE or SAVE

CSLP Team

Published on: 09/09/2026

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

Student Loan Repayment