I recently read an article about how the administration is getting rid of (sorta) the IDR plans and, supposedly, "only allowing" folks to do a standard repayment plan or RAP after, I think, July 1 (or maybe just a "reminder", news-wise, about up-to-date, soon-to-take-effect measures put into law in 2025?)? I would assume, though, that anyone currently on an IDR plan that successfully recertifies (esp. for loans taken out prior to 2014, if memory serves?) can keep recertifying indefinitely, year-by-year, unless the administration (or court system), god forbid, totally gets rid of all, standard IDR plans?

    I think I also read, earlier today (or, rather, was once-more reminded?), that IDR is grandfathered in, statutorily, so it can't really be gotten rid of easily- at least, for borrowers with older loans- so I guess we're safe in that regard unless some other, drastic measure is made that 100% gets rid of IDR plans for all borrowers?

    'Just want to make sure I'm understanding things correctly (especially since, oftentimes, a lot of recent news articles talking about RAP and/or "getting rid of IDR" seem to frame things in a possibly-misleading way, which might confuse some folks?) Are the standard-repayment plan and/or RAP measures only obligatory for newer borrowers, or are we all, eventually, gonna be affected?

    IDR plans for those of us with older student loans?
    byu/Traditional-Roof-980 inStudentLoans



    Posted by Traditional-Roof-980

    4 Comments

    1. > I would assume, though, that anyone currently on an IDR plan that successfully recertifies (esp. for loans taken out prior to 2014, if memory serves?) can keep recertifying indefinitely, year-by-year, unless the administration (or court system), god forbid, totally gets rid of all, standard IDR plans?

      Older borrowers that have not taken out new loans or consolidated on or after July 1st 2026 will still have access to the available older IDR plans. Those are IBR, ICR, and PAYE (if eligible). PAYE and ICR will be phased out in 2028.

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