Is IBR staying for pre-2026 loans effective 7/1/26. I couldn't find anything on FSA about IBR just standard plan and RAP. I got out of SAVE moved to PAYE for a month but moved to IBR only because I was unsure if PAYE was saying due to all the court drama. I believe the BBB kept IBR ONLY IF you didn't take a new loan as of 7/1/26, i believe I read the jargon right