Pick the right repayment plan before SAVE ends.
IBR · PAYE · ICR · RAP · Standard. Statute-cited monthly payments, forgiveness math, and tax-bomb projections — built around your loan mix and PSLF status. No urgency theatre.
Your AGI, balance, and state never leave the browser. Aggregate plan-output counts only.
- PSLF-aware recommendations
- Every claim statute-cited
- Inputs never logged
The decision, at a glance
plans compared
states decouple
cited policy claims
- 34 CFR §685.221 — IBR
- P.L. 119-21 §3 — RAP
- IRC §108(f)(5) — federal exclusion
- PSLF · 120 qualifying payments
- Every claim carries its citation
- Primary sources only
Decision engine
The Plan Comparator
Five steps, five plans, one statute-cited recommendation — with the tax-bomb projection at the forgiveness year. Your inputs never leave this tab.
What you get
Everything you need to choose, in one place
A decision engine, not a lead funnel. Every tool is statute-cited and built for the borrowers exiting SAVE forbearance.
Five plans, one recommendation
IBR, PAYE, ICR, RAP, and Standard scored against your loan mix and PSLF status — with the recommended plan called out.
Tax-bomb projection
An illustrative federal ordinary-income estimate, flagged for the states that currently decouple from the federal exclusion, for the forgiveness year.
PSLF & Buyback pathway
The 120-payment counter, the qualifying-employer flowchart, and how Buyback fills the SAVE-forbearance gap.
SAVE-exit timeline
Every key date from servicer notices to the auto-assignment deadline through the PAYE/ICR phase-out in 2028.
Statute-cited, every claim
Each plan card carries its CFR, U.S. Code, or IRC citation and a last-verified date. Primary sources only.
Policy-state ledger
Every policy pin, its verification date, and stale-flag status — the audit trail behind the numbers.
How it works
From your loan mix to a clear recommendation
Four steps. No account, no email, no data leaving your browser.
Enter your loans
Balance, weighted rate, and loan-type mix — Direct, FFEL, Perkins, Parent PLUS.
Add income & state
AGI, family size, filing status, and state of residence drive the statutory formulas.
Flag your path
PSLF-qualifying employer? Pre-2007 Direct Loan? Each edge case changes eligibility.
Compare & decide
Monthly payment, projected forgiveness, and tax-bomb math for all five plans, side by side.
Deadline
Save-exit timeline
The dates that decide your default.
Pathway
PSLF & Buyback
120 qualifying payments — and how Buyback fills the SAVE gap.
120 qualifying payments · 10 years.
Buyback can fill the SAVE gap.
Top 5 servicers
Servicer-specific exit guides
Where the known transition errors live, by servicer, with the notice mailing dates.
Questions
What borrowers ask first
A clear path forward, not a panic.
SAVE ending feels overwhelming, but the decision is knowable. We line up all five plans — IBR, PAYE, ICR, RAP, and Standard — with the monthly payment, projected forgiveness, and tax-bomb math, every number traced to the statute behind it. No email, no countdown timers.
Don't get auto-assigned
See your five plans side by side
Run your numbers once and get a statute-cited recommendation with the tax-bomb math. Free, private, no account.
Informational, not financial advice. Verify with StudentAid.gov or a licensed advisor before acting.