SAVE is gone, RAP is new, and 7.5 million borrowers have to pick a plan. Our tools show your monthly payment under each option — transparent formulas, zero stress.
See your monthly payment under both plans side by side, with forgiveness timelines and a clear winner.
Try it now →Deadlines, the 90-day notice rule, what happens if you do nothing, and how the July 1, 2028 cutoff works.
Read the guide →Everything 7.5 million SAVE borrowers need to know: your two options (RAP vs IBR), and what to do this week.
Get the short version →The 2026 student loan changes, explained in plain English — with real numbers and cited sources.
The new Repayment Assistance Plan explained: payments, eligibility, interest waiver, and 30-year forgiveness.
Read the guide →Real monthly payments across incomes and family sizes — computed live from the statutory formula.
See the numbers →A three-question decision tree: RAP vs IBR vs Standard for your income, family size, and loan age.
Pick your plan →In March 2026 the Eighth Circuit struck down SAVE, and the One Big Beautiful Bill Act phases out SAVE, PAYE, and ICR by July 1, 2028. Income-driven borrowers choose IBR or the new RAP.
Picking wrong can cost thousands per year — run the numbers first.
Independent and unaffiliated. Estimates for information only — not legal, tax, or financial advice. Preview hosted at jeo-meek.github.io.