Which student loan plan costs you less? Answered in plain English.
SAVE was eliminated. 7.5 million student loan borrowers must choose a new repayment plan — RAP, IBR, or Standard — and the wrong choice can cost you thousands. RepayWise shows you which plan costs you less, without the servicer runaround.
2-minute quiz · No signup · Educational guidance, not financial advice
Deadlines in motion
Student loan borrowers on SAVE are on 90-day clocks. Here's the timeline that matters:
The July 2026 overhaul rebuilt federal repayment. Four changes that hit your wallet directly:
The income-driven plan 7.5 million student loan borrowers were on no longer exists. Everyone on it must actively choose RAP, IBR, or Standard — or be auto-moved to Standard, usually the most expensive option.
Repayment Assistance Plan: payments 1–10% of AGI with a 30-year forgiveness horizon. For some student loan borrowers it's the cheapest option ever offered; for others it's a trap versus IBR. The math decides.
Grad PLUS is gone for new student loan borrowers. Parent PLUS capped at $20k/yr and $65k lifetime per student (was cost-of-attendance). Families borrowing for fall 2026 need a new gap-financing plan.
Forgiven balances under RAP/IBR can be federally taxable starting 2026. A "forgiven" $40,000 could arrive with a tax bill — your plan choice has to account for it.
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Answer a few questions about your income, balance, and goals — get a plain-English read on whether RAP, IBR, or Standard wins for you.
Income, loan balance, family size, forgiveness goals. No account, no signup.
See which plan likely costs you less — and by roughly how much.
The Survival Kit turns your result into the exact steps, scripts, and worksheets.
Deep dives on every corner of the overhaul — written for student loan borrowers, not bankers.
SAVE transition
The deadlines, the auto-move trap, and your three options.
Plan comparison
The math, worked through for three real student loan borrower profiles.
Parent PLUS
What the cap means and the financing options ranked.
Taxes
How the new taxability works and how to plan for it.
PSLF
What transfers, what doesn't, and the certification trap.
Graduate loans
New caps ($20.5k/yr) and how professional students adapt.
Strategy
When it wins, when it's a mistake you can't undo.
All articles →No. RepayWise is educational guidance — frameworks, math, and checklists so you can make an informed decision or have a smarter conversation with your servicer or advisor. For personalized advice, talk to a qualified professional.
Federal student loan borrowers affected by the 2026 overhaul: anyone who was on SAVE, anyone choosing between RAP/IBR/Standard, PSLF seekers, and families dealing with the new PLUS caps. If all your loans are private, this isn't for you.
They might — the Department of Education is still issuing guidance. The Kit includes free updates through the transition, so your purchase stays current.
Servicers explain the rules; we help you decide. The Kit's decision framework compares what each plan actually costs you — servicers won't do that math for you.
Contact us within 14 days and we'll make it right — including a refund if the Kit genuinely doesn't serve you.