SAVE 90-Day Transition Clock

Paste notice flag + date → days left / past / waiting · auto-enroll literacy · share card.

Not plan advice

Disclaimer. This card is calendar literacy — not plan advice, not forgiveness advice, not a servicer tool, and not a determination of your payment. Your notice controls your deadline. We never invent a payment $ or a “best” plan. Public ED framing: starting July 1, servicers issue notices instructing SAVE borrowers to enroll in a legal repayment plan within 90 days; borrowers who do not transition are automatically enrolled into the Standard Repayment Plan or the new Tiered Standard Plan. First-wave earliest cliff: Sep 29 2026 (ED court filing / Student Loan Planner; Business Insider Sep 10 2026). Compare options at StudentAid.gov/idr · studentaid.gov court-actions. Sources: ED next-steps press release · Business Insider Sep 10 2026 · Student Loan Planner SAVE timeline.

1. Paste your notice status

User paste only — no FSA login, no servicer scrape. If you received a 90-day notice, paste the notice date from the letter/email. Deadline = notice date + 90 days. Empty or missing dates → honest miss (we will not invent a deadline).

Received servicer 90-day notice?

Notice date (if yes)

View date (when you’re looking)

Note label (optional)

Seed examples (teaching dates)

How to read the card

Days left From your view date to notice date + 90 days when you marked notice = yes. Text carries meaning (not color-only): days left, Past deadline, or Waiting for notice.
First-wave cliff Public earliest callout: Sep 29 2026 (ED / BI / Student Loan Planner). Later notice waves have later deadlines — your notice still controls.
Auto-enroll ED language: if you do nothing → Standard or Tiered Standard. That is literacy — not a plan recommendation from this card.
Pointers Compare options at StudentAid.gov/idr · read studentaid.gov court-actions. This card does not enroll you.
No invented $. We never invent your payment amount or a “best” plan. Empty/missing dates = honest miss.

1. Paste your notice status

Seed examples (teaching dates)

2. Shareable transition clock

How to read the card