The end of the SAVE plan forbearance is approaching, and borrowers are receiving automated calls from their loan servicers. These calls are a reminder that loans will reenter repayment and that borrowers must choose a new repayment plan or one will be assigned for them.
Nelnet, one of the loan servicers, has been contacting borrowers with automated messages. These messages inform borrowers that their “loans will reenter repayment when the SAVE plan ends” and that they “will need to choose a new repayment plan. If you don’t choose a plan, one will be assigned for you.” The messages also direct borrowers to StudentAid.gov for more information.
Understanding the SAVE Plan Changes
The Department of Education has been reaching out to SAVE plan borrowers for several months. In May, a second email notice was sent, and Under Secretary of Education Nicholas Kent confirmed in a recent interview that another round of outreach would occur in June. This latest round of automated calls is part of that outreach effort.
Approximately 7 million borrowers are still enrolled in the SAVE plan forbearance. The calls are designed to ensure that as many borrowers as possible are aware of the upcoming changes. Starting July 1, 2026, borrowers will have a 90-day window to choose a new repayment plan. The new options include the Repayment Assistance Plan (RAP) a tiered standard plan, and existing Income-Based Repayment (IBR).
Beware of Scams
Major changes like the end of the SAVE plan forbearance can attract scammers. Borrowers should be cautious of urgent calls, texts, and emails that ask for personal information or upfront payments. Legitimate servicers will never ask for a fee to switch repayment plans.
If you receive a call about your loans, do not share personal information or payment details on the spot. Hang up and contact your servicer directly using a trusted number or log in at StudentAid.gov. Picking a new plan, enrolling in RAP, and setting up auto-debit are all free and can be done online without the need for a third party.
Under Secretary of Education Nicholas Kent has provided clear advice to borrowers. In a June 10 interview, Kent stated that the SAVE plan is “dead” and that servicers would notify borrowers in stages. He emphasized the importance of not waiting until the last minute, saying, “Don’t wait until July 2nd.”
Kent also noted that more than 300,000 SAVE borrowers had already switched to new repayment plans, leaving about 7 million who still need to make a change. He reiterated that broad forgiveness “is not going to happen,” so borrowers should plan to repay their loans.
The automated calls circulating are likely part of the June reminder wave. Borrowers should log in directly at StudentAid.gov compare the RAP against the tiered standard and IBR plans using a Student Loan calculator, and confirm their auto-debit settings before billing resumes.
