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As repayment rules shift, SDS is helping borrowers look beyond the lowest monthly payment and understand the long-term impact of their choices. Student loan repayment is entering another major transition period. Over the coming months, many borrowers may begin receiving notices from their federal loan servicers about repayment plan changes, new repayment options, or action they may need to take before the end of 2026. This does not mean every borrower will receive a notice on

Nationally recognized student loan attorney joins SDS as strategic consultant and legal-market partner to help expand attorney adoption, borrower support, and student loan discharge resources nationwide

The Department of Education officially released the final technical language implementing the repayment changes tied to the One Big Beautiful Bill Act (OBBBA), and the details confirm that July 1, 2026 will mark one of the biggest federal student loan system changes in decades. While most headlines have focused on the new Repayment Assistance Plan (RAP), the actual technical language revealed several major surprises that could significantly impact borrowers. Borrowers Who S