My experience switching plans from SAVE on July 1st
Just wanted to share, because I really thought I would be stuck in limbo again.
Sadly, I was laid off from my high paying tech job on June 30th. I had originally planned to drag my feet on switching plans until the last minute, but we hadn't filed taxes yet (waiting to see what would happen with the student loan situation and deciding if we should file jointly or separately).
With the layoff, it was clear I needed to rip the bandaid off and use my new found 0$ income to get a year of 0$ payments.
So I applied for a switch to PAYE from SAVE, had my tax connection turned off, and uploaded my layoff letter to my servicer, Aidvantage. It was approved on July 9th! Happy to be moving on my life, but still going to be hoping and waiting for a class action about SAVE consolidation haha and obviously kicking the can down the road until we have a new administration via PAYE 😅
Hopefully this helps remove some stress from someone worried about timelines.
TLDR - it only took 7 business days to switch and get a new plan even without the tax connection via Aidvantage
Posted Jul 11, 2026, 1:30 PM UTC