Explore repayment information from official sources.

Available plans, eligibility rules, and legal requirements can change. Use these links to check the current options for your loans.

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Income-driven repayment

Find current information about income-driven repayment and use the official application when appropriate.

Open official IDR resources ↗

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Loan Simulator

Compare available federal repayment scenarios using the Department of Education's tool.

Launch Loan Simulator ↗

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Public Service Loan Forgiveness

Review qualifying employment, loan requirements, payment criteria, and the official PSLF Help Tool.

PSLF official information ↗

2026 CHECKPOINTS

What to verify before choosing.

Federal repayment options changed in 2026. Do not select a plan from a name or an old article alone; confirm your own loan dates, type, status, and current servicer instructions.

Loan dates matter

Loans first disbursed before July 1, 2026 can have different plan options from Direct Loans first disbursed on or after that date. Check each loan and any consolidation history.

Official repayment plan guide ↗

Compare the new paths

Current federal guidance describes the Repayment Assistance Plan (RAP) and Tiered Standard Plan for the new repayment structure. Eligibility and formula details depend on the loan history.

Check with Loan Simulator ↗

Do not rely on old SAVE info

Borrowers previously in SAVE should read their actual servicer notices and the current federal transition instructions. A past payment amount or old eligibility article may no longer apply.

Official SAVE borrower guidance ↗

Review date: October 12, 2026. Rules and transition instructions may change. The linked official resources and your servicer's written notice take precedence over this summary.

Do not rely on an estimate as an official quote

Our estimator is for general illustration only. It does not access your loan account, determine program eligibility, or calculate an official income-driven payment. Confirm all terms and amounts directly with Federal Student Aid or your servicer.