Federal Student Loans
Are Complicated Your
Repayment Plan Doesn't Have to Be
and bank-level encryption
The plans still open to you are Standard, Graduated, Extended, IBR, PAYE and the new Repayment Assistance Plan, which opened on 1 July 2026. Banrox shows what each one would cost you side by side so the choice is not a guess.
Most Borrowers Don’t Know
They Have Better Options
Most federal student loan borrowers are on the Standard 10-Year Plan by default, even when income-driven repayment plans could cut their monthly payment significantly. The problem is not eligibility. The problem is that comparing plans is confusing, the application process is buried in government websites, and most borrowers don't know what they're missing.
Banrox pulls your actual loan data, calculates your monthly payment under every available plan, and shows you the numbers side by side, so you can make an informed decision in minutes, not months.
Everything You Need to Compare
Student Loan Repayment Plans
payments, and explore refinancing options, all in one secure dashboard.
All Your Federal Loans in One View
in one place.
Compare Every Repayment Plan
plans side by side.
Income-Driven Payment Estimates
payment under IDR plans.
Interest & Forgiveness Projection
Refinancing Options Available
partner lenders if it fits your situation.
Read-Only Secure Access
modify your account or repayment settings.
Trusted Infrastructure for
Secure Student Loan Insights
verified infrastructure and read-only access,ensuring your
information stays protected throughout the process.
Federal Loan Servicer Data
Read-Only Account Access
256-Bit SSL Encryption
GLBA Compliant Data Handling
Frequently Asked Questions
Is the student loan comparison tool available now?
Not yet. Student loan plan comparison is still in development and is not live, so this page is informational for now. When it opens, exactly what it connects to and what it shows will be described in full before you link anything.
What would the tool compare?
Your estimated monthly payment, total interest and payoff timeline under the federal repayment plans you may be eligible for: the Standard plan, the Graduated plan and the income-driven plans, side by side. Income-driven estimates depend on your income and family size, which is why every number is an estimate until your servicer confirms it.
Is Banrox my loan servicer?
No. Banrox is a technology company: it does not service, hold, or collect on student loans, and it cannot change your repayment plan, your servicer, or your account. Any plan change is made with your servicer or through the Department of Education.
Do I have to pay for this information?
No, and you should not pay anyone for it. Every federal repayment plan, the eligibility rules and the application itself are provided free by the Department of Education through Federal Student Aid, and Banrox does not charge for information the government already gives you at no cost.
Can Banrox modify my loan or enroll me in a plan?
No. Any connection to your loan data is read-only: Banrox can display your loan information but cannot modify your account, submit an application, or change your repayment settings. You stay in control of every decision.
What about the refinancing options mentioned on this page?
Those are published offers from partner lenders, and refinancing a federal loan with a private lender means giving up federal repayment options and protections, so compare carefully. Banrox is not a lender, checking options is a soft inquiry, and the lender sets any actual rate after you apply on its site.
You Might Be Overpaying on Your
Student Loans Right Now.
Banrox shows you every option in under a minute, so you can see exactly
what's available and make the right choice for your situation.
Pasadena, CA 91107
Before you rely on anything on this page
Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.
Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.
Equal Credit Opportunity Act. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Banrox Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. More on fair lending.
How Banrox is paid, and why payment cannot change the order of a comparison: Advertiser and Affiliate Disclosure. Full terms: Terms of Service.
Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.
