So Your Student Loan Payment Went Up — What Now?
However, these factors do not influence our editors' opinions or ratings, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. Here is a list of our partners. With the SAVE plan ending, and some borrowers seeing their monthly payment increase, now is the time to reevaluate your budget and repayment plan options. Published Aug 6, 2026Fact CheckedHow is this page expert verified?NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.More on our editorial rigorAddas a preferred source on Google Back to topAbout the authorElin JohnsonElin Johnson covers student loans for NerdWallet. She has written about higher education news and policy since 2019 for BestColleges, WorkShift, New America, Inside Higher Ed, and The Chronicle of Higher Education. She is the former editor of The Cordova Times, and former content advisor to the Learn & Work Ecosystem Library. Her work has won awards from the Alaska Press Club and Student Press Law Center. She graduated from Linfield University with a bachelor’s degree in Journalism and Media Studies and International Relations.Related articlesFederal vs. Private Student Loans: Compare Key DifferencesBy Eliza HaverstockBest Private Student LoansBy Shannon BradleyNew Student Loan Maximums: How Much Can You Borrow For College?2By Eliza Haverstock, Anna HelhoskiStudent Loan Repayment Plans: Recent Changes, Current OptionsBy Shannon BradleyADRefinance Your Student Loans with Earnest: smarter rates, total flexibility, no fees.Check rateon Earnest's website ADRefinance Your Student Loans with Earnest: smarter rates, total flexibility, no fees.li>ol]:pl-4 [&>li>ul]:pl-4 [&>li]:mt-2">Fixed APRs starting at 3.74%, Variable Rates starting at 5.68%;Customize your term down to the month (5–20 years);Skip one payment every 12 months.Check your rate in minutes — no credit impact.Check rateon Earnest's website Refinance Student Loans with SoFi: low rates, flexible terms, no fees.Check rateon SoFi®'s website ADRefinance Student Loans with SoFi: low rates, flexible terms, no fees.li>ol]:pl-4 [&>li>ul]:pl-4 [&>li]:mt-2">Rates: 4.24-9.99% (fixed) / 5.99-9.99% (variable) APR;Terms between 5–20 years, plus features like interest-only SmartStart for residents;Zero application/origination/prepayment fees — ever.Check your rate in just minutes — soft credit check.Check rateon SoFi®'s website NerdWallet Compare, Inc. NMLS ID# 1617539NMLS Consumer Access |Licenses and Disclosures California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812 Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) Insurance Licenses California: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License #603L288 You also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program. View Important Cash Account Disclosures. Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. NerdWallet™ | 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251
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