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Melissa Maguire
Student Debt Expert, Product Specialist
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Profile
Join date: Sep 9, 2024
About
Melissa has over a decade of certification and experience in the student debt market. Since 2012, she has counseled thousands of student loan borrowers providing them clarity, guidance and tools to successfully repay their student loans. Melissa has been authored and published several times, notably in the Journal of Accountancy. In addition to her consumer advocacy, Melissa has used her expertise and experience to guide the development of Student Debt Solutions. Her vast knowledge of the rules associated with student loan repayment has been vital to product development and strategy.
Posts (67)
Apr 15, 2026 ∙ 2 min
The End of SAVE: The Next 90-Days are Critical for Borrowers
On April 1st, the U.S. Department of Education issued a major update to borrowers currently enrolled in the SAVE repayment plan. The message was direct: “The SAVE Plan is ending. Borrowers must take action.” While the announcement may seem straightforward, the details behind this transition are critical. Here’s what borrowers need to understand and how to respond. The 90-Day Window: What It Is and How It Works One of the most important parts of the Department’s announcement is the...
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Apr 14, 2026 ∙ 3 min
A Closing Window: What SAVE and Parent PLUS Borrowers Must Do Now
Not all borrowers are impacted by today’s student loan changes in the same way, but for two groups, the timeline ahead is especially critical. If you are: Transitioning out of the SAVE repayment plan, or Managing Parent PLUS loans and exploring income-driven repayment options The coming months represent a limited window to take action, and the decisions made during this time could significantly impact your long-term repayment strategy. Group 1: SAVE Borrowers - Understanding the 90-Day...
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Apr 13, 2026 ∙ 3 min
What Happens Next? Navigating the SAVE Transition and Critical Deadlines
Q: What happens if I don’t change my repayment plan within the 90-day window? A: If you do not select a new repayment plan within your 90-day window, the Department of Education will step in and automatically place you into a repayment plan. While this ensures you remain in repayment status, it’s important to understand that this placement is administrative, not strategic. The assigned plan will be based on your loan type and general eligibility, but it may not reflect your financial...
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