Student Loan Aid

SAVE is ending. Pick your plan before your deadline.

Your servicer's notice starts a 90‑day clock. If you don't pick a plan in time, you're moved to a Standard plan. See what each plan costs you first.

1. Date on your servicer's notice
14days left to pick a plan
Notice Aug 3Deadline November 1, 2026
2. Your numbers
Federal loans3 loans, average rate 6.67%$63,600
Income (AGI)From your latest tax return
$62,000
Family sizeYou plus dependents
1

Example loans for this draft. Your own balances are on your servicer account and loan statements.

Your plans, estimatedAs of Oct 18, 2026
PlanMonthlyLengthTotal paid
RAPNew plan. A share of your whole income.
$310 30 yr $111,600
IBRLowest total paid10% of income above 150% of the poverty line
$321 20 yr $77,050
PAYEEnrollment closes July 1, 2027
$321 20 yr $77,050
Standard, 10 yearsOne of the plans you can be moved to
$728 10 yr $87,301

IBR costs the least in total for these numbers.

Remind me before my deadlineEmails 30, 14 and 3 days before your deadline, each with a link back to these numbers.
Also save my Squad Card seatIncludes a free Experian score check while you wait.

Your report, your place in line, and 5,000 Squad points to start.

Reminders stop after your deadline. Squad Card emails start only if you turn this on. How we use your email

Estimates from Banrox's plan engine, with income held flat and your loans treated as one balance. Your servicer's numbers are final. Plans that forgive a balance can leave tax to pay on the forgiven amount. Banrox is not affiliated with the U.S. Department of Education, and choosing a plan is free at StudentAid.gov or through your servicer.