Servicers started sending official 90-day notices on July 1, and roughly 6 million borrowers are still sitting on SAVE trying to figure out what comes next. Learn what that notice actually means for your timeline, why the new 1% autopay interest reduction is more of a distraction than a deal for most people, and why consolidating right now could cost new grads a decade of extra payments.

Plus, the PSLF final rule that had borrowers panicking about their employers just got vacated in court, and we explain what that means for anyone chasing forgiveness.

Key moments:

(01:05) Notifications to leave the SAVE plan aren’t as urgent as they look

(09:17) Who really benefits from the 1% autopay interest rate reduction (and who doesn’t)

(14:05) The new consolidation trap for recent grads—and why pausing could save you a decade

(19:05) The PSLF court cases and how they redefine PSLF employer eligibility

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