Federal Student Loan Repayment Changes Implemented Amidst Legal Challenges

New federal student loan repayment requirements, which took effect on July 1, 2026, are anticipated to limit borrower choices and potentially raise monthly payments for numerous individuals. These changes, stemming from a previous administration's student loan reforms, are currently subject to judicial review, with two federal courts recently overturning a new Public Service Loan Forgiveness rule. Borrowers enrolled in the SAVE Plan are being advised to select new repayment plans within 90 days to avoid automatic enrollment in potentially costlier standard plans.