@nicholaskalstek: The Government Just Changed Student Loans… Three of the most popular repayment plans — SAVE, PAYE, and ICR — are officially gone as of July 1, 2026. They've all been replaced by one new plan called RAP. And here's the part nobody's warning you about: RAP charges 1-10% of your FULL AGI, not just discretionary income like the old plans did. Which means for most people, the monthly payment is actually HIGHER than what you were paying under SAVE or IBR. And if a student loan already tanked your score, that part's fixable too. Comment "GAMEPLAN" and I'll send you a personalized breakdown to fix your score ✅

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