"SAVE Plan Is Over: What RAP Means for Your Student Loan Payment"

Описание: The SAVE plan is over. Starting July 1, 2026, over 7.5 million student loan borrowers are getting notices that their payment is about to change — and for most people, it's going up.

In this video, I break down:
✅ Why the SAVE plan ended (and what a federal court ruling had to do with it)
✅ What RAP (the Repayment Assistance Plan) and the new Tiered Standard Plan actually mean for your payment
✅ The real numbers — estimates ranging from $244 to $400+ more per month
✅ A hidden interest-rate discount almost nobody's talking about (deadline: Sept 30, 2026)
✅ Exactly what to do before your 90-day window closes

This is Episode 3 in my series on the hidden mechanisms quietly working against your money — if you haven't seen the one on lifestyle creep, watch that next: [link]

If you're on the SAVE plan, IBR, or thinking about RAP vs. your other repayment options, this video will save you from letting the 90-day window run out by default.

⏱️ TIMESTAMPS
0:00 Cold Open — 7.5 Million Notices
0:50 What This Means for You
2:00 What Actually Changed (SAVE Plan Ending)
4:30 The Real Numbers
7:00 RAP vs. Tiered Standard Plan Explained
9:30 The Hidden Discount Nobody's Mentioning
10:30 A Real Example
11:45 The Fix — 4 Steps to Take Now
13:15 Final Thoughts

#StudentLoans #SAVEPlan #RAP #StudentLoanRepayment #PersonalFinance2026

Disclaimer: This video is for educational purposes only and is not financial or legal advice. Consult studentaid.gov or a qualified financial advisor for guidance specific to your situation.