A federal judge vacated the Biden administration’s SAVE income‑driven repayment rule this week, removing a widely used repayment path and leaving millions of borrowers in legal and financial uncertainty. The court’s decision follows a long-running challenge from Republican state attorneys general and leaves advocates urging alternate policy fixes. Separately, a government watchdog report raised concerns that the Education Department relaxed oversight of student‑loan servicers, complicating borrower protections as repayment rules change. Experts say borrowers should expect administrative churn — advisers are urging affected borrowers to contact loan servicers and explore other repayment options while courts and agencies calibrate next steps.