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, and principal falls by at least the lesser of your payment and $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 what really ends in July 2028.
SAVE exit FAQAuto-enrollment, forgiveness taxes, spouse income, PSLF credit — the questions everyone asks.
What if you do nothing?Auto-enrollment explained: what your payment becomes, what you lose, and how to undo it.
PSLF after SAVEPublic service workers: protecting your payment count and choosing the cheapest qualifying plan.
Married filing separatelyExcluding your spouse's income can save hundreds a month — and cost you at tax time. How to decide.
When will my notice arrive?Timing by servicer — MOHELA, Nelnet, Aidvantage, EdFinancial — and why not to wait for the letter.
How to apply, step by stepThe StudentAid.gov walkthrough: what to have ready, each screen, and what happens after you submit.
RAP with kidsThe $50-per-dependent rule, where it beats IBR's family-size protection, and the bracket cliff to avoid.
The forgiveness tax bombIDR forgiveness became taxable in 2026. What's still tax-free, how big the bill gets, and how to plan.
Missed the Parent PLUS deadline?June 30, 2026 closed the consolidation window. What options actually remain, and what to check first.
PSLF calculatorPublic service? See what you'll pay before payment 120 and what gets forgiven tax-free.
In default? Three ways outRehabilitation, consolidation and Fresh Start compared — and what the garnishment pause really means.
Teachers: TLF vs PSLFThe same five years can't count for both. How to sequence them so you don't lose money.
The annual deadline that bitesMiss recertification and your payment jumps to the Standard amount. How to never miss it.
Should you refinance?It's irreversible and kills forgiveness. The narrow cases where it still makes sense.
RAP recertificationIt works differently from IBR — total AGI, $10,000 bracket cliffs, and dependents rather than family size.
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.