Find the Repayment Plan That Costs You Least
SAVE is gone. RAP launches in July. With 7 federal repayment plans to choose from, the wrong choice can cost you $20,000-$100,000+. Our NPV optimizer compares every plan using Monte Carlo income simulation, PSLF breakeven analysis, and tax bomb modeling. Know your optimal strategy before you commit.
Free basic comparison. No signup required. Data from Federal Student Aid, BLS, and IRS.
Every Federal Plan, One Optimized Answer
Student loan calculators show you monthly payments. We show you total lifetime cost, including the tax bomb, PSLF tradeoffs, income uncertainty, and the real cost of choosing the wrong plan.
NPV Plan Comparison
Net present value ranking across Standard, Extended, Graduated, IBR, PAYE, REPAYE, and the new RAP plan. See which plan actually costs you least over your loan lifetime, not just lowest monthly payment.
PSLF Breakeven Analyzer
Model 120 qualifying payments under each IDR plan. Compare total paid plus opportunity cost against Standard plan total. Find your months-to-breakeven and NPV advantage for Public Service Loan Forgiveness.
Tax Bomb Estimator
IDR forgiveness at 20 or 25 years creates taxable income. We compute the forgiven balance, apply your projected marginal federal and state tax rate, and discount to present value. Know the tax hit before it arrives.
Income Monte Carlo
Stochastic income growth model using BLS occupational wage distributions. 1,000+ simulations produce confidence intervals on your total repayment cost -- because your salary trajectory is not a straight line.
Spousal Optimization
Married Filing Jointly vs. Separately changes your IDR payment calculation. We model both scenarios including combined household income, spouse loan balances, and the tax penalty of MFS filing.
Consolidation Analyzer
Weighted average interest rate rounding (always up to the nearest 1/8%), payment timeline reset impact, and PSLF qualifying payment count reset analysis. Know when consolidation helps vs. hurts.
How It Works
Enter Your Loan Profile
Loan balance, type, interest rate, income, family size, filing status, occupation, and employer type. We handle the complexity -- you provide the basics.
We Compare Every Plan
NPV analysis across all federal plans, PSLF breakeven, tax bomb estimation, Monte Carlo income simulation, spousal optimization, and consolidation impact -- all automated.
See Your Optimal Strategy
Plans ranked by total lifetime cost. Optimal plan, second-best alternative, cost of choosing wrong, and the exact dollar amount you save -- downloadable as a detailed PDF.
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Stop Guessing. Start Optimizing.
Enter your loan details and get a complete optimization analysis in minutes. NPV comparison across every federal plan, PSLF breakeven, tax bomb modeling, spousal optimization, and a personalized recommendation -- all in one report.
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