The official tools are broken. We built replacements. Everything runs in your browser — nothing is stored, nothing is sent anywhere. Just answers.
Compare IBR, PAYE, and RAP monthly payments side-by-side. See if you qualify for $0 payments. Uses 2025 Federal Poverty Guidelines.
Use toolTrack your progress toward 120 qualifying payments. See your estimated forgiveness date, progress bar, and get alerts if you're near the finish line.
Use tool4-question guided assessment catches the fatal PSLF consolidation paradox. Clear DO NOT, MUST, or RECOMMENDED verdicts. The highest-stakes tool on this site.
Use toolAll calculations happen entirely in your browser. We don't collect, store, or transmit any of your financial information. No accounts, no tracking, no data harvesting. Just free tools that work.
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