The student loan rules just changed.
Your strategy should too.
SAVE is ending. The new plans are live, and 90-day migration notices are going out now. Millions of borrowers will be auto-enrolled into payments they didn't choose. Our free tools show you every option — with real numbers for your loans — so you can pick the right plan yourself, for free, before a deadline picks for you.
Start with your situation
I'm on the SAVE plan
Notices went out July 1–August 15, 2026. The earliest forced switch is September 29 — weeks away. Six questions → your exit plan, before you're auto-enrolled into a higher payment.
2 minutesI want the cheapest path through repayment
RAP vs IBR vs Standard vs Tiered Standard — monthly payment, total cost, and forgiveness, side by side with your real numbers.
Tax-free forgivenessI work in public service
Teachers, nurses, government, nonprofits: check PSLF eligibility and learn how to fix whatever's blocking you.
Garnishment resumes this fallMy loans are in default
The Department says wage garnishment restarts this fall, and rehabilitation takes 10 months. Two free federal programs get you out — find which fits in 60 seconds.
Why trust us
We never touch your account
No FSA ID, no passwords, no acting "on your behalf." Our tools run in your browser; you take every step yourself at StudentAid.gov.
Everything here is free to do yourself
Every program we explain — plan switches, PSLF, default exit — is a free federal program. We exist because the rules are confusing, not because access costs money.
Current as policy moves
Repayment rules changed in 2025 and keep changing through 2028. Our math and guides track the published rules, with update dates on every page.
One email when a deadline or rule change affects you
Policy is changing fast. One short email when a deadline or rule change affects you. No spam, unsubscribe anytime.