What starts the clock?
The trigger is the date your SAVE transition notice was sent or dated. The 90-day point shown by the RepayPilot checker is a calendar calculation from that notice date.
What should I rely on?
Confirm the actual deadline shown in your individual servicer notice. That account-specific notice controls if it differs from a general calculation.
What may happen next?
If you do not choose another repayment plan before the response window expires, you may be automatically placed into Standard or Tiered Standard repayment depending on applicable loan and disbursement rules.
Rule verification date: 2026-09-29. Individual account notices and current official guidance take precedence.
Check your calculated date