After recent legislative and administrative changes, federal student loan repayment options are undergoing a major overhaul beginning July 1. Borrowers currently enrolled in income-driven plans like SAVE will face discontinuation of those options and must select among new repayment alternatives, including a standard plan and Repayment Assistance Program (RAP). The complexity of the evolving landscape has caused borrower confusion, potentially leading to costly missteps. Specific groups like public servants may see eligibility restrictions due to proposed rule changes, heightening uncertainty about loan forgiveness and repayment strategies.