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July opened with two major student loan headlines: a court win for Public Service Loan Forgiveness borrowers and the official start of the new federal repayment framework. The biggest news for public service workers is that two federal judges blocked the Department of Education from implementing a new PSLF rule that would have allowed certain nonprofit or public-service employers to be excluded from PSLF eligibility based on the government’s determination that the organizatio

July 1, 2026 is more than a calendar date. It is now a dividing line in federal student loan repayment. For many borrowers, the most important question is no longer simply, “What is my lowest monthly payment?” The better question is, “Which repayment options am I preserving, and which options could I lose if I take action now?” Under the new repayment framework, borrowers who take out new federal loans on or after July 1, 2026, and many borrowers who consolidate on or after J

The federal student loan system changed on July 1, and SDS has been updating our platform, recommendations, and borrower guidance to reflect the new repayment landscape. Our goal is simple: borrowers should not be guided by outdated repayment assumptions. When federal rules change, plan recommendations must change with them. SDS has updated its review process to better distinguish between borrowers with existing loans, borrowers taking new loans, and borrowers considering con