Compare IBR, PAYE, and RAP payments side-by-side. See if you qualify for $0 payments.
These months don't count toward forgiveness and interest is accruing. SAVE has ended, and you have 90 days from your servicer's notice to pick a plan. Use this tool to see what you'd pay on IBR, PAYE or RAP, then apply to switch immediately.
Discretionary income = Your AGI minus 150% of the Federal Poverty Guideline for your family size. IDR plans charge a percentage of this amount.
IBR (new borrowers): 10% of discretionary income, forgiveness after 20 years.
IBR (older borrowers): 15% of discretionary income, forgiveness after 25 years.
PAYE: 10% of discretionary income, forgiveness after 20 years.
RAP (since July 1, 2026): 1–10% of your total AGI depending on your income bracket, minus $50 a month per dependent, with a $10 minimum. On-time payments cover all unpaid interest, and ED adds up to $50 a month toward principal. Forgiveness after 30 years. This estimate treats everyone in your household except you as a dependent; a spouse doesn't count as one.
Note: IBR and PAYE are only for loans made before July 1, 2026. Loans made on or after that date, including new consolidation loans, can use only RAP or Tiered Standard.
Our recommendation: IBR is the safest long-term choice — it's the only legacy plan surviving the July 2028 terminations.