The U.S. Department of Education told about 7.5 million student loan borrowers enrolled in the Biden-era SAVE repayment plan to prepare for repayment after a federal court struck the plan down earlier this month. The notice directs borrowers to choose a new repayment option within a 90-day window starting July 1, when servicers will begin sending the required communications. Officials said borrowers enrolled in SAVE have remained in forbearance since July 2024 while litigation proceeded. The change is expected to raise monthly payments for most affected borrowers as they exit the court-ordered pause and move to alternative plans. The shift will likely affect student budgeting and institutional enrollment planning, particularly for programs and institutions that have leaned on improved affordability outcomes tied to income-driven repayment. Colleges and advising offices will need to help borrowers understand their new eligibility options and payment consequences. Borrower communications and timing will also be critical for reducing confusion and arrears risk as repayment restarts, with potential downstream effects on retention, completion, and student financial aid counseling.