The SAVE plan is ending. You have 90 days to choose what's next.
Servicers began mailing 90-day exit notices to roughly 7 million SAVE borrowers on July 1, 2026. Ignore yours and you'll be auto-enrolled in a Standard plan that could triple your payment. This site does one thing: helps you pick the right plan in about five minutes.
Start here — see your payment under every option:
Free, no sign-up, nothing stored. Uses the official 2026 formulas.
Your three real choices, in one table
| Plan | Monthly payment | Forgiveness | Best for |
|---|---|---|---|
| RAP new, from July 2026 |
1–10% of your total AGI ÷ 12, minus $50 per dependent ($10 floor) | After 30 years. Balance can never grow — unpaid interest is waived, principal topped up to $50/mo | Lower incomes, parents, anyone worried about a growing balance |
| IBR the survivor of the old IDR plans |
10% of income above 150% of the poverty line (15% for pre-2014 borrowers) | After 20 years (25 for pre-2014 borrowers) — up to a decade sooner than RAP | Borrowers closer to forgiveness, higher family sizes, PSLF strategies that count prior years |
| Standard the default if you do nothing |
Fixed, balance ÷ 120 months + interest | None — you just pay it off | High earners who want out fast and don't need forgiveness |
Guides
The AGI brackets, the $50 dependent deduction, the interest waiver, and the fine print nobody reads.
RAP vs IBR: which should you pick?The 20-vs-30-year forgiveness gap, PSLF, married-filing-separately, and when each plan wins.
Every deadline that mattersWhat happened to SAVE, what your 90-day notice means, and the July 2028 cliff for PAYE/ICR.
SAVE exit FAQAuto-enrollment, forgiveness taxes, spouse income, PSLF credit — the questions everyone asks.
Why trust this site?
We're an independent, free resource. Every formula on this site is implemented directly from the statute (P.L. 119-21) and Department of Education guidance, with sources linked. We don't sell refinancing, we don't take referral fees from lenders, and the calculator runs entirely in your browser — your numbers never leave your device. Read more about this project.