If you’ve been on the SAVE Plan, you’ve gotten used to a strange kind of quiet. SAVE launched in 2023 as the most affordable federal repayment plan ever offered, and it got tangled in lawsuits almost immediately. You now have 90 days—landing around the end of September—to choose a new repayment plan. Earnest explains what the end of the SAVE Plan and the rollout of new repayment options mean for borrowers’ monthly bills. Meet RAP, the plan replacing SAVEBeyond the Standard Plan, the other big new option is the Repayment Assistance Plan, or RAP, also available starting July 1.