Welcome back, Noyackers!

In a previous issue, we broke down how the SAVE Plan (Saving on a Valuable Education) was, for a brief and glorious moment, the most borrower-friendly repayment plan the U.S. Department of Education had ever rolled out. No hyperbole. Just facts. $0 monthly payments? Check. Government-covered interest? Check. Early forgiveness for lower-balance borrowers? Check. A genuine on-ramp to wealth-building for millions of student loan holders? Check, check, and check.

 But in a matter of months, that runway has crumbled—and now, borrowers are headed straight into turbulence.

 As of August 1, 2025, the SAVE Plan is all but dead. The courts have blocked its core protections. Interest is back. Forgiveness is no longer fast-tracked. And for borrowers who believed they were on a secure, government-approved path toward financial freedom, the ground has shifted—fast.

 And here’s what most media coverage won’t say: this change could cost you tens of thousands in long-term wealth if you don’t act now.

 We’re going deep on what’s changed, how it impacts your wealth goals, and what you can do to get back in the pilot’s seat—before the system does it for you.

Until next Sunday,

—CJ & The NOYACK Team
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