Cure Delinquency.
Master the Shift.
The rules for student debt change on July 1, 2026. Don't let delinquency turn into default. Take strategic action today to protect your financial standing.
Stop The Clock
Request a retroactive administrative forbearance to wipe away delinquency and return to good standing instantly.
- Pauses payments immediately
- Clears "Missed Payment" records
The RAP Guardrail
July 2026 introduces the RAP Plan. While it caps payments at $10/mo, it's less flexible than previous IDR plans.
- Compulsory $10 minimum
- Stricter consolidation rules
Parent PLUS Warning
Urgent: Consolidate Parent PLUS loans before July 1, 2026 or lose access to most income-driven repayment options forever.
- Lock in eligibility now
- Avoid the 2026 "RAP" trap
Delinquency vs. Default
Understanding the 270-day window.
| Status | Timeframe | Consequence | Strategic Cure |
|---|---|---|---|
| Delinquent | Day 1 to 270 | Credit Score Drop | Retroactive Forbearance |
| Default | After Day 270 | Wage Garnishment | Loan Rehabilitation |
Take Charge Before July 2026
Waiting is the most expensive mistake you can make. Start your consolidation or recovery plan today.