A federal judge vacated the Biden administration’s SAVE income‑driven repayment rule, effectively ending the program after years of legal challenges and leaving millions of borrowers in limbo. The court’s decision follows Republican attorneys general litigation and a settlement from the prior administration; appeals and policy workarounds are expected from advocates and higher‑education policy experts. Loan‑counseling providers, financial‑aid offices and student‑affordability programs now face uncertainty about borrower payment calculations, institutional counseling obligations and the timing of any subsequent rulemaking or legislative fixes.