Important Announcements

Starting on July 1, 2026, the interest rate reduction for borrowers enrolled in auto pay will go from 0.25% to 1%. This reduction is available to borrowers with Direct Loans disbursed on or after July 1st, 2012. Visit StudentAid.gov to learn more and enroll by 11:59 p.m. ET on Sept. 30, 2026, to receive the temporary benefit through June 30, 2028.


On March 10, 2026, a court order ended the Saving on a Valuable Education (SAVE) Plan. The U.S. Department of Education will contact impacted borrowers, who can explore and apply for other repayment plans. For more information, visit StudentAid.gov/courtactions.


On Oct. 30, 2025, the U.S. Department of Education published final Public Service Loan Forgiveness (PSLF) program regulations that will be effective on July 1, 2026. We'll provide updates when the regulations are implemented. For now, there are no impacts to borrowers, payment counts, or discharges.

Visit StudentAid.gov/publicservice for more information about PSLF and current program requirements.

For more information about employer eligibility, visit StudentAid.gov/pslf/employer-search.

To apply for PSLF, use the PSLF Help Tool at StudentAid.gov/pslf.

Important Update

Repayment Plan Changes Starting July 1, 2026: Apply Today!

The newest repayment plans—the Repayment Assistance Plan (RAP) and Tiered Standard Plan—are available effective July 1, 2026. Visit StudentAid.gov/bigupdates to learn more about these new repayment plans and other changes to the federal student aid programs.

Recently received an email from Federal Student Aid about the new RAP and Tiered Standard repayment plans and want to apply? Visit Studentaid.gov/repayment-calculator.

If you've recently submitted an IDR application on Studentaid.gov, you will be notified once your application is processed.


SAVE Plan is Ending

Borrowers who enrolled in or applied for the Saving on a Valuable Education (SAVE) Plan and have loans in forbearance must select a new repayment plan after receiving a notice from MOHELA. No need to call! For a quick and easy path to change plans or explore your options, log in to your Studentaid.gov account, and use the Repayment Calculator. For more information, visit our FAQ page.

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Career Planning: Building Your Online Profile

If you are unemployed or are looking for a change, you are likely doing your research on prospective employers. Well, once you apply, they may turn around and do some research on you through social networks and the Internet. Will you be portrayed how you think you should be?

Here are some ways to make sure that your online profile is consistent with your application:

  • Set up Google Alerts on yourself. Set up keywords, determine which result types, how often and how many results you want and which email to have alerts delivered. Alerts help make you aware when new articles and content posts on the web with the keywords you choose. This may allow you to identify and correct any inaccurate information about yourself, although remember there are probably millions of other people named "John Smith" who you may receive alerts about too.

  • If you have social media profiles on sites like Facebook and Twitter, make sure you are presenting yourself how you would want to be perceived by a recruiter. Are your pictures and the comments on your page appropriate for the type of jobs you are applying for? If not, you may want to clean up your pages as best you can and adjust your privacy settings to help reduce the ability for recruiters to see your information.

  • Make sure your LinkedIn profile is up-to-date with your skills and reflects highlights from your resume. Being on LinkedIn helps you gain exposure to many recruiters and can effectively demonstrate your professionalism if you maintain your profile and build your network on the site.