The Brief

On July 1, a host of new student loan changes from last year's One Big Beautiful Bill Act will kick in, including the end of a short-lived Biden-era repayment plan, the start of two Republican-designed repayment plans and strict new borrowing limits for some students.

There's a lot to parse, and not every change will impact every borrower. So we've designed this story to make it easy to find the guidance that does apply to you, or to the borrower in your life.

To get started, click on the student loan status that best describes your situation below:

• You're enrolled in the SAVE repayment plan

• You're a current borrower with old (pre-July 1) loans and no plans for new loans

• You're a current borrower with old (pre-July 1) loans and future loan plans

• You're a new undergraduate borrower taking out loans after July 1

• You're a new grad school borrower taking out loans after July 1

• You're in graduate school right now. Do the new loan limits apply to you?

• You're enrolling in a short-term job training program and you'd like help paying for it 

• You're interested in Public Service Loan Forgiveness (PSLF)

• You're a parent interested in helping your student pay for college

You're enrolled in the SAVE repayment plan

After a few contentious years of paused payments and a legal battle that made it all the way to the U.S. Supreme Court, the Biden-era Saving on a Valuable Education (SAVE) plan is officially ending.

If you're one of the more than 7 million borrowers still enrolled in SAVE — the most flexible and generous income-driven repayment plan — you may have already gotten a notice from the U.S. Department of Education warning you that you'll have to switch plans soon. Well, you'll likely be getting another note from your loan servicer, starting a roughly 90-day clock.

If you don't act, the department says it will enroll you in one of the least flexible repayment plans.

Financial aid experts have told NPR that this effort, beginning July 1, to push millions of borrowers into repayment and into new plans that will cost more than SAVE, could exacerbate an alarming rise in student loan defaults – especially considering that many borrowers enrolled in SAVE precisely because their low incomes qualified them for a $0 monthly payment.

What are your repayment plan options? You've got lots. Keep reading.

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You're a current borrower with old (pre-July 1) loans and no plans for new loans

Whoever you are, whatever your story, whether you enrolled in the SAVE plan or not, you're in good company: About 43 million Americans hold about $1.7 trillion in federal student loan debt.

As long as your loans were issued before July 1, and you have no plans to borrow any more money, you'll have quite a few repayment options, including one brand new plan. They are:

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Standard Repayment Plan

• How it works: This plan divides your loan balance into equal monthly payments (plus interest, of course) over a 10-year period. If your loans have been consolidated, they may be spread out over a longer period, up to 30 years. 
• The upside: Monthly payments are all the same, predictable as the sunrise. 
• The downside: Payments can be pretty high relative to income-based plans. 
• A note for borrowers: Republicans also created a new version of this Standard plan, called the Tiered Standard Plan, but it's not available to borrowers with only older loans. 

Graduated Repayment Plan

• How it works: Monthly payments start out low, but as the name suggests, they increase every two years and are spread out over a 10-year period. As with the Standard plan, borrowers with consolidated loans may qualify for a longer repayment term.
• The upside: It allows borrowers to start small, and, ideally, as your payments increase over time, so too does your income and your ability to keep up with them.
• The downside: Over time, your payments could grow, even double in size.

Extended Repayment Plan

• How it works: Monthly payments can be either fixed or graduated, but there's one big difference. Payments can last up to 25 years, instead of the common 10 years. 
• The upside: Twenty-five years makes for smaller monthly payments.
• The downside: You're paying a lot in interest over the long run. 

The plans above do not take a borrower's income into account when calculating a monthly payment. So-called income-driven repayment plans do — and come with a few other perks:

Income-Based Repayment (IBR)

• How it works: If your loans are older than July 1, 2014, your monthly payments are based on 15% of your discretionary income and spread over a 25-year period. Anything left after that is forgiven. For loans taken out after July 1, 2014, monthly payments will be based on 10% of discretionary income and spread over 20 years before the remainder is forgiven.
• The upside: Loan forgiveness!
• The downside: Twenty to 25 years repaying a loan is a long time.  

Income-Contingent Repayment (ICR)

• How it works: ICR bases monthly payments on a larger share of a borrower's discretionary income — 20%. Borrowers also have to make payments over a relatively long period of time — 25 years — before they can qualify for forgiveness.  
• The upside: Up to now, for Parent PLUS borrowers, this was often the only income-driven repayment plan they could qualify for.
• The downside: It will generally cost more each month than its fellow income-driven plans.
  
• A note for borrowers: This is arguably the least generous member of this plan family. It's also being phased out by 2028, so, if you do enroll, you'll have to change plans again in two years.

Pay As You Earn (PAYE)

• How it works: PAYE's terms are similar to what newer IBR borrowers enjoy: Payments are based on 10% of discretionary income over a 20-year period, then the remainder is forgiven.
• The upside: Switching to PAYE, for now, could mean two years of lower payments.
• The downside: Like ICR, Republicans voted to shut down PAYE by July 1, 2028; so you'll need to switch plans again within two years.   

Repayment Assistance Plan (RAP)

• How it works: RAP bases monthly payments on a borrower's adjusted-gross income (AGI). The more you make, the higher your monthly payment. For example, a borrower earning $30,001-$40,000 can expect a monthly payment around $75-$100. Earn $50,001-$60,000 and it jumps to $208.34-$250.  
• The upside: RAP waives any monthly interest that exceeds the plan's monthly payment. It also comes with a principal-matching payment that makes sure lower-income borrowers see their loan principals go down each month. And, for parents and caregivers, it allows you to slash $50 from your monthly payment for every dependent in your household.
• The downside: Unlike IBR, ICR and PAYE, RAP requires that borrowers be in repayment for 30 years before any remainder is forgiven. By then, there'll be little if any debt left. And, a nerdy but important facet: This plan isn't indexed for inflation, which means modest income gains could trigger big increases in monthly payments. 
• A note for borrowers: This is the new kid on the block for legacy borrowers. You can enroll starting July 1.

We recommend using the department's Loan Simulator — or maybe this one, developed in partnership with The Institute of Student Loan Advisors, a nonprofit — to see which plan makes the most sense for you.

You're a current borrower with old (pre-July 1) loans and future loan plans

So, you've already got some loans, and you're planning to take out more. The good news/bad news is you won't have a lot of repayment options to choose from.

Any borrower who takes out a loan on or after July 1 will be limited to the two new repayment plans created in the One Big Beautiful Bill Act: The Repayment Assistance Plan (RAP) or the…

Tiered Standard Plan

• How it works: Like the original Standard, the new Tiered plan divides a borrower's principal and interest into equal monthly payments over a set period. Again, predictable as the sunrise. What's different is that that period of time grows with the size of the debt.

  • Owe less than $25,000 — repay over 10 years.
  • Owe $25,000-$49,999 — repay over 15 years.
  • Owe $50,000-$99,999 — repay over 20 years.
  • Owe $100,000 or more — repay over 25 years.
• The upside: A longer repayment period for larger balances means smaller payments.
• The downside: Longer repayment periods also mean, well, a long-term relationship with debt.  

You're a new undergraduate borrower taking out loans after July 1

Hello, fresh face! Welcome to your higher education adventure. Let's be honest, you're probably not thinking much about your repayment options yet. You're headed to school, and we wish you well.

As you get on your way, here are a few things to keep in mind: Lending limits haven't changed for undergraduate borrowers. Dependent/independent undergrads are still limited to borrowing:

• $5,500/$9,500 in their first year
• $6,500/$10,500 in their second year
• $7,500/$12,500 in the third and subsequent years

In total, dependent/independent undergrads can borrow up to $31,000/$57,500.

When it does come time for repayment, you'll likely have just two options to choose from: Either the Repayment Assistance Plan or the Tiered Standard Plan.

You're a new grad school borrower taking out loans after July 1

Many of you probably have undergraduate loan debt, though hopefully not too much. And for the moment, you're probably not thinking about repayment since you're headed back to school. We wish you well!

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Jenn Liv for NPR

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Still, there are a few things to keep in mind: As of July 1, lending limits change dramatically. Until now, grad students could borrow up to the cost of their program. Your program costs $40,000 a year? You could borrow $40,000 every year. Soon, though, you'll be limited to $20,500 a year and a total of $100,000. That's a big difference.

Only a small group of so-called "professional" degrees will be exempted from these lower limits and qualify instead for $50,000 a year in loans, or $200,000 in all. These degrees fall into 11 categories: chiropractic, clinical psychology, dentistry, law, medicine, optometry, osteopathic medicine, pharmacy, podiatry, theology and veterinary medicine.

You can learn more about these grad school loan caps at this link, including why they have many advocates worrying about an eventual shortage of nurses and other healthcare providers.

You're in graduate school right now. Do the new loan limits apply to you?

This is complicated. The Education Department is making some exceptions for grad school borrowers who are in the middle of their higher education adventures. You may be exempted from the new loan limits if:

1. You were enrolled by June 30, 2026.
2. By then, you also have to have received a loan for your program.
3. And you have maintained enrollment in the same program, at the same school.

If you do qualify to be exempted from the new limits, the department's website says you can lean on the old loan limits — i.e., borrow up to the cost of your program — for either three academic years or the difference between how long your program is supposed to last and how long you've already been enrolled, whichever number is smaller.

You're enrolling in a short-term job training program and you'd like help paying for it

One of the biggest changes going into effect on July 1 is an expansion of the traditional Pell Grant for low-income students to include what's known as short-term workforce training.

A Pell Grant is essentially free money from the federal government – unlike a loan, it does not need to be paid back. For 2026-27, the largest grant a student in a traditional program can qualify for is $7,395. Awards for short-term training will likely be prorated for the program's length.

This expansion of Pell is meant to help workers learn new skills to become, say, a certified nursing assistant or a welder. For the first time, students will be able to get federal help paying for these training programs, which last between eight and 15 weeks.

The first, most important step you need to take to qualify is to fill out the Free Application for Federal Student Aid (FAFSA). You can't get a Pell Grant without it.

One huge caveat: This expansion is so new that many current training programs may not qualify. And because it comes with some pretty strict federal guardrails, some never will.

It will take states and the federal government some time to figure it all out, so you'll need to be patient. And while you wait, fill out the FAFSA!

You're interested in Public Service Loan Forgiveness (PSLF)

Greetings (aspiring) public servants.

The good news for you is that the program known as Public Service Loan Forgiveness (PSLF) still exists. It's a policy quid pro quo: If you pledge to work full-time (at least 30 hours a week) in public service — as a nurse or police officer or school teacher, etc. — for 10 years while making 120 monthly payments toward your student loans through a qualifying repayment plan, then whatever debt is left will be forgiven by the U.S. government.

Which plans qualify for PSLF?

In the income-driven category, IBR, ICR, PAYE and the forthcoming RAP all qualify.

We recommend using the department's Loan Simulator to see which plan makes the most sense for you, i.e., which plan has you paying the least over the next decade.

The other question you may have is: Wait! Didn't I see stories about how the Trump administration is changing the PSLF rules, maybe making it harder to qualify?

Good memory! Yes. Here's one of those stories.

Effective July 1, the department says it can deny loan forgiveness to workers whose government or nonprofit employers engage in activities with a "substantial illegal purpose." The job of defining "substantial illegal purpose" belongs to the education secretary. Last year, the department offered this short list: "terrorism, child trafficking, and transgender procedures that are doing irreversible harm to children."

In late 2025, several large cities, including Boston and Chicago, sued over the rule change, worried that the administration might try to use a city government's politics to exclude its public workers from PSLF. The fight over this rule is very much still playing out, so stay tuned.

You're a parent interested in helping your student pay for college

The Parent PLUS program will see a few key changes take effect July 1. Here's what to know:

• First of all, there will be new limits on how much parents can borrow. Parent PLUS loans will be capped at $20,000 per year, per dependent child, with an aggregate cap of $65,000 per dependent. That's a big change from the previous rules which allowed PLUS loans up to the cost of a program. 
• Repayment is also seeing big changes. Parent PLUS borrowers who take out a loan after July 1 will no longer qualify for any plan that bases their monthly payment on their income. They will only be able to use the new Tiered Standard Plan. This also means future Parent PLUS borrowers will no longer be able to qualify for either a plan that offers forgiveness after a set period of time or for PSLF. 
• For Parent PLUS loans that were taken out before July 1, borrowers' best bet for a long-term, income-driven plan is IBR, but only if you consolidate your loans first, make one payment on the less generous ICR plan (which, like PAYE, will be phased out in 2028) then switch to IBR. If this is news to you, it may already be too late. The Education Department's website recommends borrowers start this process at least three months early to make sure their new consolidated loans are issued before the July 1 deadline.

Edited by: Nicole Cohen and Nirvi Shah

Copyright 2026 NPR

About a week before Rosh Hashanah — the Jewish New Year, which starts Friday evening — a group of youngish, hairnet-wearing adults were hunched over metal tables, spreading Nutella, sprinkling chocolate chips and slathering other gooey yumminess onto long, glistening slabs of dough.

“I’ve tried some of the best babka,” said baking instructor Jackie Elkins, referring to the Ashkenazi dessert bread. “From New York, everywhere — I’ve tried it.”

But Elkins, 64, stopped before finishing the thought. Someone completed it for her: “Not as good [as ours].”

Elkins nodded.

This babka filling was taking place at Beit T’Shuvah, a unique Jewish institution on the border of L.A. and Culver City that provides substance and addiction recovery, while also running a bakery operation that helps fund treatment.

‘We understand addiction’

The nonprofit’s Hebrew name can be translated as “House of Return.” Other than one Chabad outpatient facility, also in L.A., Jewish-based recovery institutions aren’t really a thing, said Zac Jones, Beit T’Shuvah’s executive director.

“It’s like part Jewish summer camp, part residential treatment center, part school for living,” said Jones, himself a former resident. He noted that being Jewish isn’t required to get one of the approximately 140 beds in the facility.

Beit T’Shuvah’s baked goods spinoff is called Baked T’Shuvah. The bakery’s website says, “Our challah is addictive. Trust us, we understand addiction.”

Rabbi Igael Gurin-Malous leads weekly services at Beit T'Shuvah's addiction recovery center.

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According to Head Community Rabbi Igael Gurin-Malous, who leads weekly services, the concept of “return” embedded in the word t’shuvah informs the process of addiction recovery.

“When someone is interested in changing, and becoming better, and growing, and contributing to society — there's no greater force,” Gurin-Malous said.

Braiding challah and creating community

As the bakers filled in their babka or braided their challah (a traditional Jewish Shabbat and holiday bread), a large TV fixed to the wall flashed statements such as “You Matter!” before changing to display a weekly schedule of liturgical events and daily to-dos.

Program staff said these tasks ensure everyone stays on top of their communal responsibilities, an important part of recovery.

Elkins, the baking instructor, started the program in 2017. On the surface, it’s a vocational training program. Residents in the addiction recovery program can join the bakery as interns. They learn professional baking and business skills designed to help them land on their feet upon release.

Jones, the recovery center’s director, said the baking classes also teach “life building” and help patients learn to “master your environment.”

For Elkins, who grew up in L.A., this endeavor has become a lifeline for family members. Her son Bradley went through Beit T’Shuva and recently celebrated 10 years of sobriety. He’s now the facility’s director of community care. Elkins’ brother and nephew were also residents. Three of her five siblings have struggled with addiction.

The bakery’s busiest time of year

Elkins currently works with three interns and one employee. Interns must commit to six months to ensure they can turn out a consistently dependable product.

During the High Holidays of Rosh Hashanah and Yom Kippur, the bakery receives hundreds of orders. Elkins said that after paying her employees and covering expenses, the profits go right back into the addiction treatment program.

Their challah comes in many varieties, including churro, za’atar (a Middle Eastern spice blend), everything (like the bagel), jalapeño cheddar, chocolate, raisin and salted caramel. Their babka comes in chocolate hazelnut and bear claw flavors.

Jackie Elkins oversees bakery operations at Baked T'Shuvah. She initially got involved when her son entered the center's addiction treatment program.

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Elkins didn’t start out as a professional baker. But she said she has always loved to cook. When her son Bradley was a resident, she approached facility founder Harriet Rossetto and said she wanted to give back.

Elkins noticed the facility imported all its challah. She said maybe she could bring in some mixers and teach residents how to make it. She got the go-ahead and the group grew quickly. After six months, Elkins said, they no longer needed to buy outside challah.

How the bakery’s leader leveled up her challah game

Like many Angelenos stuck at home during the COVID-19 pandemic, Elkins spent lockdown improving her baking skills. That’s when she first connected with Mahsa Golabi, a veteran baker who was in the process of leaving Bub & Grandma’s, the famed restaurant and bakery whose breads permeate the L.A. restaurant scene.

“I had her over my house for like three months,” Elkins said. “We got everything down to the science, all the proportions, butter versus dairy versus nondairy, how to set everything up, how to make sure everything was exactly the same every time.”

“It was Bashert,” Elkins said, using the Yiddish word for “meant to be.”  

Getting sober and reconnecting with Judaism 

Michael Sonekh, 29, is Elkins’ newest intern. He was a biology major at UC Berkeley before he first fell into addiction. The son of Iranian Jewish refugees, Sonekh grew up attending  an Orthodox Jewish day school in L.A. But it was “pretty rough,” he said, due to “being queer,” among other things.

In adulthood, Sonekh decided it was time to seek professional help for his addiction issues. He said choosing to enter Beit T’Shuvah helped him not only with his substance use problems but also with the lingering resentment he felt toward Judaism.

“I was like, ‘This is something I'm probably gonna have to deal with,’” Sonekh said.

He gave Baked T’Shuvah a shot after the facility’s leaders suggested he “try new things.” He said the precision he learned in undergraduate lab work has come in handy.

“The vast majority of days here, it almost never feels like work,” Sonekh said.

Bakers look forward to ‘kadima’

When he gets kadima’ed, the facility’s Hebrew term for being released, Sonekh said he plans to continue studying at USC for a master’s degree in stem cell biology and regenerative medicine. He said he’s still considering whether to continue with more schooling after that.

Sonekh said his experience at Beit T’Shuvah made him believe he could one day start a business of some kind.

A baker presents a braided challah ready to be baked.

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Ezra Salkin

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Elkins, the bakery director, said participants discover many things through the program. Some end up “even finding a spouse here,” Elkins said. Her son Bradley did.

She pulled out her phone to show off a picture of a blond toddler: “Our first grandson.”

Lineage Logistics sued a solar power provider and its contractor Thursday, blaming them for the fire that destroyed its cold storage facility and plagued Boyle Heights and surrounding communities with polluted, foul-smelling air for months.

The company accuses Altus Power, Inc., Los Palos Street Operating, LLC, and Pearce Services of failing to address faults in the massive solar array installed on the 500,000-square-foot facility’s roof. Faulty electrical in that array led to a fire in 2024, and the same problems sparked the fire on June 17, Lineage claims in the suit.

“This lawsuit is about Altus and Pearce starting this fire and then being nowhere to be found when the community needed help,” said Greg Lehmkuhl, president & CEO of Lineage, in a prepared statement.

The fire remains under investigation by the Los Angeles Fire Department, and its cause has not yet been determined. 

But because both the June and 2024 fires appear to have started around the facility’s roof, the solar array has been long suspected of playing a role in the blaze.

Lineage is seeking more than $1 billion in damages, alleging negligence and breach of contract caused the fire, forced the warehouse to shut down and led to a cleanup effort that has cost more than $100 million. 

Los Palos, an Altus subsidiary, disputed Lineage’s claims and said that since the cold storage company was the tenant of the building, they were responsible for cleanup and debris removal.

“Lineage’s statement is riddled with misinformation in a blatant attempt to deflect blame for their role in this matter, including any damage caused by the release of substances from the warehouse, not the solar panel,” a Los Palos spokesperson said by email.

A spokesperson for Pearce also disputed Lineage’s claims and said the company would be fighting the suit in court, adding they have been cooperating with the fire department’s investigation.

“Investigation into the fire’s cause, origin, and reasons for its spread remains ongoing, and it is premature for anyone to draw conclusions,” a spokesperson for the company said by email.

The company alleges in the suit that the solar provider used substandard equipment to connect electrical lines and that equipment started the Aug. 14, 2024 fire. The company told Altus, Los Palos, and Pearce, a subsidiary of real estate giant CBRE, to fix the faulty equipment before turning the solar array back on.

Altus and Pearce knew that about 200 faulty electrical connections had been identified by May 2026, including about 10 near the area where the June fire eventually broke out, the suit claims. Lineage says it told the contractors to delay turning the system back on until they provided proof the faults were fixed, but the contractors did so anyway.

“Altus and Pearce deliberately ignored Lineage’s request, prematurely re-energized the solar array, and negligently and recklessly caused this devastating fire,” the suit reads.

Mayor Karen Bass and other elected officials have said publicly that Lineage should not rebuild its facility and continue operating in Boyle Heights. The company missed a 45-day deadline to clean up the facility imposed by Bass in August. 

Lineage has since announced it had completed cleanup of the remnants of the facility on Sept. 5. The suit also suggests the company could be planning to stay in Boyle Heights, rather than simply seeking reimbursement for the fire. 

The city’s Department of Building and Safety has put its plans to rebuild on hold, and South Coast Air Quality Management District has also issued multiple notices of violation over pollution from food that rotted inside the facility for months.

“This was a solar fire, not a warehouse fire,” reads a press release announcing the suit had been filed in Los Angeles County Superior Court Thursday. “Cold storage is not a risk to communities — it is an essential service that lowers food costs, expands food access and creates jobs,” it added.

The post Lineage sues solar company and contractor, blames it for warehouse fire in Boyle Heights appeared first on LA Local.

Alhambra

9/11 Remembrance Ceremony
Fire Station 71, 301 N. First St., Alhambra
Sept. 11, 9 a.m.

Carson

25th Anniversary 9/11 Tribute
Carson City Hall, 701 Carson St., Carson
Sept. 11, 4 – 6 p.m.

Chavez Ravine

LAFD 9/11 Remembrance Ceremony
Frank Hotchkin Memorial Training Center, 1700 Stadium Way, Los Angeles
Sept. 11, 9 – 10 a.m.

Gardena

25th Anniversary 9/11 Commemoration Ceremony
City Hall Complex, 1700 W. 162nd St., Gardena
Sept. 11, 9 a.m.

Hermosa Beach

9/11 Remembrance Wreath Laying Ceremony
Greenbelt at Pier Ave., Hermosa Beach
Sept. 11, 7:30 a.m.

Irvine

911 Ceremony
OCFA Headquarters, 1 Fire Authority, Irvine
Sept. 11, 8 a.m.

Malibu

9/11 25th Anniversary Remembrance Ceremony at Pepperdine University
Alumni Park, 24255 Pacific Coast Highway, Malibu
Sept. 11, 9 a.m.

Orange

9/11 Memorial
Orange City Hall, 300 E. Chapman Ave., Orange
Sept. 11, 6:30 p.m.

San Gabriel

9/11 Remembrance Ceremony
Fire Station 51, 1303 S. Del Mar Ave., San Gabriel
Sept. 11, 6:40 a.m.

Santa Ana

2,100 Steps Memorial Walk
Fairhaven Memorial Park, 1702 Fairhaven Ave., Santa Ana
Sept. 12, 9 – 10 a.m.

Santa Monica

9/11 Remembrance Ceremony
Fire Station 1, 1337 7th St., Santa Monica
Sept. 11, 7:30 – 8:30 a.m.

South Pasadena

September 11 Remembrance Ceremony
City Hall Courtyard, 1414 Mission St., South Pasadena
Sept. 11., 6:45 a.m.

Torrance

25th Anniversary September 11 Memorial Ceremony
Torrance City Hall, 3031 Torrance Blvd., Torrance
Sept. 11, 8 a.m.

West Hollywood

September 11 Patriot Day display
Sal Guarriello Veterans' Memorial, Santa Monica Boulevard and Holloway Drive
Sept 11., 10 a.m.

Yorba Linda

Remembering 9/11 — 25 Years After the Tragedy at the Nixon Library
Nixon Library, 18001 Yorba Linda Blvd., Yorba Linda
Sept 11., 11 a.m. – noon