✦ SAVE ended · RAP launched July 1, 2026
7.5 million borrowers must pick a new plan.
See your real numbers in 60 seconds.
The SAVE plan is gone and your servicer's clock is ticking. RepayCompass compares every federal repayment plan you're actually eligible for — monthly payment, lifetime cost, and the fine print that official tools bury.
✓ Free ✓ No signup ✓ Runs in your browser — nothing is stored ✓ Rules as of Jul 7, 2026
Your situation, every plan, side by side
A handful of numbers from your tax return and StudentAid.gov dashboard. That's all it takes.
Fill in your situation and hit "Compare my plans." Every plan renders right here — computed in your browser, sent nowhere.
Watch-outs for your situation
Based on your answers — each one links to the official rule so you can verify it yourself.
Run a comparison above — the warnings that apply to your specific answers appear here, each linked to the official rule.
Frequently asked questions
What do IBR and RAP actually stand for?
IBR is Income-Based Repayment — a plan from 2009 where you pay a percentage of income above the poverty line. RAP is the Repayment Assistance Plan — the new plan launched July 1, 2026 that replaces SAVE, PAYE, and ICR, where you pay 1–10% of your income depending on how much you earn. RAP vs IBR, compared in full →
What happens if I ignore my SAVE notice?
After your 90-day window closes, the Department of Education automatically places you in the Standard plan (or Tiered Standard). For most SAVE borrowers that means a significantly higher monthly payment than they were used to. What the 90-day window means →
How does RepayCompass calculate these numbers?
Every plan is computed from the payment formulas published in federal rules — RAP’s income brackets, IBR’s discretionary-income math against the federal poverty guidelines, and standard amortization — and our results are tested against the official StudentAid.gov calculators to match within a dollar. The "Rules as of" date at the top tells you which version of the rules we’re using, since they’re still being litigated and refined. Read the full methodology →
Is my financial information stored anywhere?
No. All calculations run in your browser. Nothing you type is sent to a server, saved, or shared — close the tab and it’s gone. That’s a deliberate design decision, not a promise buried in a privacy policy. The whole privacy story →
Is this financial advice?
No — RepayCompass is an educational comparison tool. The math follows published federal rules as of the date shown at the top, but your servicer and StudentAid.gov are the final word on your options. Not affiliated with the U.S. Department of Education.
Your 90-day window won’t wait.
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