Student Repay Hub

Compare your repayment plan options

Enter your numbers to see your estimated monthly payment, total cost, and forgiveness under each plan available after July 1, 2026. Everything runs in your browser — we don't store or transmit anything you type.

Line 11 on your federal tax return (married filing separately? use your own return's AGI)

Claimed on your tax return (RAP deducts $50/mo each)

Affects IBR terms (10% vs 15% of discretionary income)

Time already in IBR/PAYE/REPAYE/SAVE/ICR — counts toward RAP and IBR forgiveness clocks. The 2024–25 SAVE forbearance months don't count; check your count at StudentAid.gov.

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