The Department of Education is nudging borrowers in the SAVE repayment plan to consider switching to the Income-Based Repayment (IBR) plan, but experts warn it’s not a one-size-fits-all decision. Depending on your financial situation, sticking with SAVE or exploring other options might actually save you more money in the long run. It’s a classic case of "read the fine print before you leap."

Editor’s Note: If you're one of the millions juggling student debt, this isn’t just bureaucratic noise—it could directly impact how much you end up paying. The government’s suggestion might sound helpful, but blindly following it without crunching your own numbers could backfire. It’s a reminder that student loan policies are a maze, and sometimes the "official" advice isn’t the best for everyone.