Two borrowers can have the same income, the same family size and the same amount of student loan debt. They may still have very different repayment options, and very different financial outcomes. That is one of the most important and confusing results of the student loan changes that took effect on July 1, 2026. In the past, borrowers often started with one question: Which plan gives me the lowest monthly payment? Today, they must ask another question first: Which plans am I
