When does the SAVE 90-day deadline start?

Use the sent date on your servicer notice, unless the notice gives a specific due date. If the notice gives a specific deadline, rely on that deadline instead of an estimate.

Are the 90 days calendar days or business days?

Treat the window as calendar days unless your servicer notice says otherwise. Save the notice and verify the deadline inside your servicer account.

What should I do before the final week?

Compare plans, submit your repayment choice, save confirmation screenshots, and check that your servicer processed the change before your deadline.

SAVE transition planning tool

SAVE and IDR Deadline Calculator

Estimate the date by which you should choose a replacement repayment plan after receiving a SAVE transition notice, IDR recertification notice, or servicer plan-selection deadline.

Calculate your SAVE transition deadline

Enter the date your servicer notice was sent. If your notice gives a specific due date, use that date as the final authority.

Servicer notice sent date

Response window in calendar days

Estimated deadline

Tuesday, September 29, 2026

This is 90 calendar days after the notice date. Servicer-provided due dates override this estimate.

Compare repayment plans by

Aug 15, 2026

Submit your plan choice by

Sep 15, 2026

Verify servicer processing by

Sep 22, 2026

SAVE deadline assumptions

These tools provide planning estimates only. Your loan servicer and StudentAid.gov determine your final eligibility, payment amount, due date, and forgiveness credit.

Show calculation assumptions

The estimated date is calculated as 90 calendar days after the notice date you enter.
If your servicer notice gives a specific deadline, use that date instead of this estimate.
The tool does not confirm whether your account is in SAVE, whether your notice was sent, or whether your servicer processed your plan election.

Official sources to verify before acting

U.S. Department of Education RAP fact sheet
Department guidance on the Repayment Assistance Plan.
U.S. Department of Education repayment update
Department announcement covering 2026 repayment changes.
Federal Student Aid IDR application
Official application path for income-driven repayment.

What to do after calculating your date

1. Save your notice. Keep the email, letter, or account message that shows the sent date and any due date.
2. Compare plans early. Run RAP, IBR, PAYE, ICR, and Standard estimates before waiting on servicer processing.
3. Submit before the final two weeks. Waiting until the deadline increases the risk of processing delays or payment shock.
4. Verify the new bill. After submitting, check that your servicer applied the plan you selected.

Is this also an IDR deadline calculator?

Use this page for any student loan deadline where you need a planning date from a servicer notice. SAVE transition notices, IDR recertification reminders, and plan-selection messages can use different wording, so always compare this estimate with the exact date shown in your account.

Estimate IDR payments first Compare repayment plans

RAP vs SAVE IBR vs RAP Parent PLUS RAP eligibility

Why the notice date matters

SAVE transition timing is not the same for every borrower. A generic policy date can help you prepare, but your practical deadline depends on the date your servicer sends the notice or the exact due date printed in that notice.

If you are close to the deadline, prioritize actions that create a record: save the notice, download confirmation pages, write down representative names when you call, and check your account after submitting a repayment request. Those records can help if your bill changes before the servicer finishes processing the plan election.

Borrowers pursuing PSLF should be especially careful. A rushed or automatic placement can affect whether a month counts, so compare the payment estimate and the qualifying-payment rules before assuming the lowest bill is the safest option.

Compare IDR plans next

Estimate RAP, IBR, PAYE, ICR, and SAVE-era comparisons with your income and household size.

Get a plan recommendation path

Answer a few questions to see which repayment plans to compare first.