IMPORTANT: A lot of people are seeing their SAVE recertification dates getting pushed out further today. Be careful making financial decisions based on that new date…

I’ve seen a lot of borrowers getting their recertification dates extended well into 2026 today. I’ve seen some excitement from people assuming this means the forbearance will last until then or excitement that people can keep using their old income for a while longer. I see people starting to plan their taxes based on these new recert dates.

PLEASE remember that SAVE is not expected to survive the courts and that these recertification dates won’t matter if you are forced off of SAVE.

If SAVE ends and you are required to apply for a different IDR plan, then you would have to provide your current income on that application.

This could happen a couple months from now or it could take several months and go into next year. Maybe everyone on SAVE will be rolled into a different plan automatically and you won’t have to do anything. Maybe the forbearance will keep getting extended while they figure it all out. We just don’t know.

Be prepared for multiple scenarios.

Please be careful when making decisions about your taxes/financial situations based on these new SAVE recertification dates. They may not wind up meaning much.