Analyzing your situation…
Applying 2026 federal policy rules to your loan profile…
This usually takes 15–20 seconds on your first visit.
Current federal update: SAVE is no longer available for new enrollment, and affected borrowers should watch for July 1, 2026 repayment-plan notices. Start with the SAVE guide.
Analyzing your situation…
Applying 2026 federal policy rules to your loan profile…
This usually takes 15–20 seconds on your first visit.
Student loan decision support
Use the assessment, calculators, and comparison tools to sort through repayment, forgiveness, refinancing, and current federal policy changes in one place.
Borrowers need to verify servicer status, whether months are counting, and which repayment options are available before and after July 1, 2026.
What this site is good for
Quick orientation when you are deciding between repayment plans, PSLF, refinancing, or waiting on federal changes.
What this site is not
A substitute for your servicer account, your Federal Student Aid dashboard, or individualized legal advice.
How recommendations are made
The engine evaluates your answers first. The written summary is layered on afterward so it does not change the underlying logic.
Quick entry points
Answer a few questions and get a plain-English summary of likely paths and warnings.
Open toolEstimate IBR and PAYE payments using current poverty-line assumptions and payment caps.
Open toolTrack qualifying payments, spot common issues, and keep your timeline organized.
Open toolReview lender options alongside the federal protections you would be giving up.
Open toolOfficial data hubs
Compare official school, credential, debt, earnings, and completion signals.
Review county-level borrower counts and average balances from public data.
Find state-level PSLF patterns, qualifying employer notes, and repayment context.
Compare public CFPB complaint patterns by federal student loan servicer.
How to use it
Describe your loans, income range, and what you are trying to figure out.
Review the engine's warnings, likely paths, and written summary.
Use calculators or comparison pages only where they fit your situation.
Useful if you need
Still verify directly