July 1 brings big student loan changes. Here's what you need to know

Education July 1 brings big student loan changes. Here's what you need to know June 10, 20267:30 AM ET Cory Turner Jenn Liv for NPR On July 1, a host of new student loan changes from last year's One Big Beautiful Bill Act will kick in, including the end of a short-lived Biden-era repayment plan, the start of two Republican-designed repayment plans and strict new borrowing limits for some students. There's a lot to parse, and not every change will impact every borrower. So we've designed this story to make it easy to find the guidance that does apply to you, or to the borrower in your life. To get started, click on the student loan status that best describes your situation below: You're enrolled in the SAVE repayment plan You're a current borrower with old (pre-July 1) loans and no plans for new loans You're a current borrower with old (pre-July 1) loans and future loan plans You're a new undergraduate borrower taking out loans after July 1 You're a new grad school borrower taking out loans after July 1 You're in graduate school right now. Do the new loan limits apply to you? You're enrolling in a short-term job training program and you'd like help paying for it  You're interested in Public Service Loan Forgiveness (PSLF) You're a parent interested in helping your student pay for college Sponsor Message You're enrolled in the SAVE repayment plan After a few contentious years of paused payments and a legal battle that made it all the way to the U.S. Supreme Court, the Biden-era Saving on a Valuable Education (SAVE) plan is officially ending. If you're one of the more than 7 million borrowers still enrolled in SAVE — the most flexible and generous income-driven repayment plan — you may have already gotten a notice from the U.S. Department of Education warning you that you'll have to switch plans soon. Well, you'll likely be getting another note from your loan servicer, starting a roughly 90-day clock. Education Millions of student loan borrowers aren't repaying their l...