美国提议结束SAVE计划,在2026年7月之前,在法律质疑和违约问题下,以新的偿还办法取代该计划。 The U.S. proposes ending the SAVE plan, replacing it with new repayment options by July 2026 amid legal challenges and default concerns.

美国教育部计划取消Biden-era SAVE偿还计划,代之以《一个大美法案法》中概述的固定的或收入驱动的选择方案。 The U.S. Department of Education plans to dismantle the Biden-era SAVE repayment program and replace it with fixed or income-driven options outlined in the One Big Beautiful Bill Act. 计划于2026年7月启动后,借款人必须先向新系统过渡,然后加速(但尚未宣布)完成。 Borrowers will be required to transition to the new system ahead of an accelerated—but not yet announced—deadline once the plans launch in July 2026. 这一变化是在包括密苏里州在内的共和党领导的各州提出诉讼之后发生的,这些诉讼认为SAVE超越了联邦权限。 The change follows lawsuits from Republican-led states, including Missouri, arguing SAVE exceeded federal authority. 批评者警告这种转变可能会增加违约风险,超过1 200万借款人已经拖欠付款。 Critics warn the shift could heighten default risks, with more than 12 million borrowers already behind on payments. 该提案在生效前仍然需要法院批准。 The proposal still needs court approval before taking effect.