I want to make sure I understand the elimination of the SAVE plan

Apologies if this has been asked a thousand times. Just let me know where to post this question if it's not the correct place. Anyway, I am on the SAVE Alternative payment plan. It kept my payments the same as before covid. I have a goal of paying off my Federal student loans in 2026 or potentially the beginning of 2027. I have about 16k left but don't want to blow my savings. My husband and I make a bit less than 100k a year combined. We have a house but no kids. So if do I have to choose a new plan right now or can I wait to see if I can get them paid off before July 2028? I read different things that say I can wait and others say I should choose soon. Just like everyone else I just want to be done with these. I just want to focus on my 35k in private loans. Thank you for any advice!

Posted Dec 29, 2025, 3:13 AM UTC

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