Talovex

Simple, transparent pricing

Optimize Your Loans. Pay Per Report.

Start free with basic plan comparison. Purchase detailed optimization reports with Monte Carlo simulation, PSLF breakeven, and tax bomb analysis.

Free

Basic plan comparison

$0
  • Side-by-side plan summaries
  • Monthly payment comparison
  • Basic NPV ranking
  • Federal plan parameters
  • No Monte Carlo simulation
  • No downloadable PDF reports

Single Report

One comprehensive analysis

$12one-time
  • 1 full optimization report
  • Monte Carlo income simulation (1,000+ runs)
  • PSLF breakeven analysis
  • Tax bomb modeling
  • Spousal MFJ vs MFS optimization
  • Downloadable PDF report
Best Value

Report Pack

3 reports for couples/planning

$29one-time
  • 3 full optimization reports
  • Everything in Single Report
  • Household optimization
  • Compare scenarios (pre/post marriage)
  • Save $7 vs buying singles

Frequently Asked Questions

What does a report include?
Each report includes NPV comparison across all eligible federal plans, Monte Carlo income simulation (1,000+ scenarios), PSLF breakeven analysis, tax bomb modeling, spousal filing optimization, consolidation impact analysis, and a personalized recommendation with savings quantification. Delivered as a detailed PDF.
How accurate are the estimates?
Our models use official federal repayment plan parameters from studentaid.gov, HHS poverty guidelines, IRS tax brackets, and BLS occupational wage distributions. Monte Carlo simulation accounts for income uncertainty. Always verify plan details with your loan servicer before changing plans.
When should I run a report?
Run a report when choosing a repayment plan, after a major life change (marriage, job change, salary increase), when evaluating PSLF eligibility, or when new plans launch (like RAP in July 2026). If you were on SAVE, run one now to find your best alternative.
Do credits expire?
No. Report credits and API credits never expire. Use them whenever your situation changes.
Is this financial advice?
No. Talovex provides mathematical comparison and optimization modeling for informational purposes only. We are not financial advisors or licensed loan counselors. Always consult your loan servicer and consider speaking with a qualified financial advisor before making repayment decisions.

Ready to find your optimal repayment plan?

The wrong repayment plan can cost you $20,000-$100,000+. One report can show you the optimal path.

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