Free, private calculators to help you plan your loan payoff, estimate forgiveness, and make informed college decisions.
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Servicers began sending the 90-day switch notice to SAVE borrowers on July 1. Notices are rolling out in waves through December. Once you receive yours, you have 90 days to pick RAP, IBR, Standard, or Tiered Standard — or you'll be auto-enrolled. See the servicer-by-servicer wave schedule →
The Repayment Assistance Plan (RAP) and Tiered Standard Plan launched July 1, 2026. Parent PLUS caps ($20K/yr / $65K lifetime), grad ($20.5K/yr / $100K), and professional ($50K/yr / $200K) loan limits are now in effect. Grad PLUS is closed to new borrowers. Auto-pay borrowers get a 1% rate reduction through June 30, 2028 (enroll by Sept 30, 2026). Use our calculators to compare your options.
Calculate your monthly payments under the new Repayment Assistance Plan launching July 1, 2026.
Compare all federal repayment plans side-by-side with accurate 2026 calculations.
Step-by-step wizard for SAVE plan borrowers to find the best replacement plan.
See how extra payments can save you thousands in interest. Plan your path to being debt-free.
Track your progress toward Public Service Loan Forgiveness and estimate your forgiveness amount.
Compare the true cost of attendance across colleges and estimate your monthly loan payments.
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Get instant results with zero delays. No servers to query, just pure JavaScript calculations.
Interactive charts, amortization tables, and side-by-side comparisons help you understand every detail.
Uses current interest rates, forgiveness rules, and cost data for accurate 2026 estimates.