2025年,SAVE计划结束,从2026年7月起,为数百万人筹集了付款,并限制了新借款人的选择。 In 2025, the SAVE plan ended, raising payments for millions and limiting options for new borrowers starting July 2026.

2025年,随着SAVE还款计划的结束,联邦学生贷款制度发生了重大变化,数百万借款人面临更高的支付额,需要转换计划。 In 2025, the federal student loan system saw major changes as the SAVE repayment plan was ended, leaving millions of borrowers facing higher payments and needing to switch plans. 从2026年7月开始,新借款人将只有两种还款选择。 Starting in July 2026, new borrowers will have only two repayment options. 研究生借贷限额也缩小了,有可能增加对私人贷款的依赖。 Graduate student borrowing limits were also reduced, potentially increasing reliance on private loans. 超过1200万借款人已经拖欠债务或违约,专家们警告说,违约率会上升。 Over 12 million borrowers are already delinquent or in default, and experts warn of rising default rates. 虽然一些借款人看到通过扩大宽恕和修订收入驱动计划而得到减免,但随着该国为2026年作准备,这些改革的总体影响仍不确定。 While some borrowers saw relief through expanded forgiveness and revised income-driven plans, the overall impact of these reforms remains uncertain as the country prepares for 2026.