Student loan changes just hit millions of borrowers, and most have no idea their credit is about to take a hit. Here's the September 30 deadline that decides how bad it gets, and where credit repair pros come in.

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On July 1, 2026, a new law rewrote the federal student loan system. The SAVE plan is dead and a couple of older income-based plans are being phased out. New monthly payments nobody budgeted for are rolling out, and collections are set to switch back on.

Most borrowers have no clue any of this happened, so the damage lands on their credit reports before they ever get a letter. Daniel Rosen walks through the reporting errors that show up every time the loan world reshuffles, and the one date that saves people real money: set up autopay by September 30 to lock in an interest cut of up to one percent through mid-2028.

Whether you started your credit repair business last week or you've been doing this for years, this is the moment to be the expert people turn to when the system stops making sense.

Tune in!

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Key Takeaways:
00:00 Intro

01:20 What the New Law Actually Changed. Plain English

03:08 Confusion Is the Point. And It Always Lands on the Credit Report

04:44 Where the Errors Get Made. Plan Transfers and Servicer Switches

05:16 How Fast a Federal Loan Goes Into Default

06:08 The Date That Can Save Your Clients Real Money. September 30th

06:42 Step 1. Find Out Who You Owe

07:08 Step 2. Check If a Payment Date Is Already Active

07:30 Step 3. Turn On Autopay Before September 30th

08:06 Be the Person Who Shows Up When It Gets Confusing

09:08 Final Thoughts

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• Fastest Wins in Credit Repair: 7 Things You Can Delete In DAYS

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