Debt tools
Which student loan repayment plan should I choose?
The lowest payment and the lowest cost are almost never the same plan. Compare the plans you are actually eligible for — which now depends on when your loans were disbursed — including what gets forgiven and what that costs in interest.
When were your loans disbursed?
DECIDES YOUR OPTIONSYou keep the older plan set — standard, graduated, extended and IBR — and may switch to RAP. The income-contingent plans are being wound up by 1 July 2028. SAVE no longer exists.
Your loans
BALANCEIf you have several loans, use the balance-weighted average.
Applied on top of the standard payment.
Your income
FOR RAP AND IBRBoth plans read your income off your tax return, so how you file decides whose income counts.
Left unbounded — a pay cut is a real thing to model.
RAP only. Takes $50/mo off the payment each. Counts dependents on your return — not you.
IBR only. Sets the poverty line your discretionary income is measured from — it includes you.
Enter your loan balance and interest rate to compare plans.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
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