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SAVE deadline if your servicer is Edfinancial

Edfinancial deadlines are running out now. When yours hits, what happens if you don’t choose, and how to switch without calling.

By the SAVE Plan Deadline editorial team · Updated

What we know about Edfinancial

  • Edfinancial says it notifies its SAVE borrowers between July 1 and August 15, 2026, and gives them 90 days from the date the notice is sent to choose another plan.1
  • That puts Edfinancial deadlines between September 29 and November 13, 2026. If your notice came in early July, your deadline may already have passed: here’s what to do.
  • If you don’t choose in time, you’re moved to the Standard or Tiered Standard plan, and the bills start. There’s no single national date: yours is the one on your notice.2
  • While you stay in the SAVE forbearance, interest keeps accruing and those months don’t count toward forgiveness. More on the forbearance.
  • Edfinancial phone: 1-855-337-6884. Monday 8 a.m.–9 p.m., Tuesday and Wednesday 8 a.m.–8 p.m., Thursday and Friday 8 a.m.–6 p.m. (Eastern).1

Find your date

EXIT 90

SAVE ends

90 days after your notice

Enter the date on your notice

How to switch

You switch at studentaid.gov/idr; you don’t need to call Edfinancial.3 Step-by-step guide. First, compare what you’d pay on each plan in the calculator.

Frequently asked questions

When is my Edfinancial SAVE deadline?

90 days from the date on your notice. Edfinancial sent its notices between July 1 and August 15, 2026, so its deadlines fall between September 29 and November 13, 2026.

What happens if I miss my Edfinancial deadline?

You’re moved to the Standard or Tiered Standard plan. You can still apply for RAP or IBR afterwards at studentaid.gov/idr.

Do I need to call Edfinancial to switch plans?

No. You apply for the new plan yourself, free, at studentaid.gov/idr, and Edfinancial applies it to your account.
NEXT EXIT

Your exact plan, in writing

$29 one time

Which plan to pick and why, what you’ll pay in total, whether filing separately saves you money, PSLF, the steps on studentaid.gov, and ready letters if your servicer gets it wrong.

See the report

14-day money-back guarantee. Switching is free at studentaid.gov: we sell clarity, never the paperwork.

Sources

  1. Frequently asked questions Edfinancial (Federal Student Aid servicer) · Official source
  2. The SAVE plan is gone: how to pick your next repayment plan (updated Sep 30, 2026) Tate Law
  3. Income-Driven Repayment Plan application Federal Student Aid (studentaid.gov) · Official source