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Home » Blog » U.S. Department of Education Pulls Electronic Repayment Plan Applications
  • Contents
  • SAVE Plan Ruling
  • The SAVE Plan Fall Out
  • Next Step for Affected Borrowers

U.S. Department of Education Pulls Electronic Repayment Plan Applications

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By Elaine Rubin
Updated on February 27, 2025
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Following the SAVE Plan ruling, the U.S. Department of Education has removed the electronic applications for Income-Driven Repayment (IDR) plans and Direct Consolidation loans from StudentAid.gov. In addition, the paper PDF version of the IDR application is also not available. The decision was made without prior notice or detailed guidance, with the department citing the SAVE Plan ruling as the reason for the removal.

SAVE Plan Ruling

Last week, a U.S. federal appeals court issued a ruling blocking the SAVE Plan and preventing loan forgiveness at the end of repayment terms for Income-Contingent Repayment (ICR) and Pay As You Earn (PAYE) plans. In response, the Department of Education temporarily removed the electronic IDR and consolidation applications from StudentAid.gov. While the paper PDF application was available, as of Tuesday, Feb. 25, it seems like the paper applications have also been removed. There is talk that the removal of the paper applications are temporary, and there has been a rush to make them available again. However, there has been no official word on the removal of the paper applications from StudentAid.gov. The Department has been making changes to their SAVE Plan announcement page, and at the time of this publishing, it seems like minimal information is being provided.  

The SAVE Plan Fall Out

The elimination of the SAVE Plan under the Trump administration was expected, but the ruling on the ICR Plan came as more of a surprise. At the time of the decision, 8 million borrowers were enrolled in the SAVE Plan, and are in an interest-free forbearance. Additionally, 2 million borrowers in the ICR or PAYE plans have also been impacted. For those who reach the end of their 20- or 25-year repayment terms under these plans, they will now enter interest-free forbearance. Unfortunately, there is currently no further guidance on the long-term resolution of their debt.

The ruling on the SAVE Plan does not impact the terms or forgiveness provisions of the Income-Based Repayment (IBR) plan. Likewise, it does not alter forgiveness opportunities under the Public Service Loan Forgiveness (PSLF) program.

Next Step for Affected Borrowers

Borrowers who want to enroll or change their repayment plan to an income-driven plans will need to wait for the applications to become available again. For those in repayment, it's imperative that they continue to make monthly payments as required, to avoid delinquency or default on their federal student loans. Borrowers can still submit a paper application for Direct Consolidation, and this form is available in English and Spanish.  

Staying informed about updates affecting student loans is equally important, whether you’re actively repaying, have federal loans, or plan to borrow in the future.

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Elaine Rubin

Elaine Rubin is the Director of Corporate Communications at Edvisors. She has worked in higher education finance for more than 10 years, and provides information and advice from both personal and professional experiences. Elaine holds a degree in Political Science with a concentration in Public Policy and Administration from Northeastern University.

Find Elaine Rubin on LinkedIn.

If you would like to schedule an interview with Elaine, please reach out to us at [email protected]

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Edvisors (“Edvisors Network, Inc.”) provides independent advertising-supported platforms for consumers to search compare and apply for private student loans. Loan offers from participating lenders that appear on our websites are not affiliated with any college and/or universities, and there are no colleges and/or universities which endorse Edvisors’ products or services. Lender search results do not constitute an official college preferred lender list. Edvisors receives compensation from lenders that appear on this site. This compensation may impact the placement of where lenders appear on this site, for example, the order in which the lenders appear when included in a list. Not all lenders participate in our sites and lenders that do participate may not offer loans to every school.

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