Your Plan Rankings
6 federal plans analyzed by NPV lifetime cost
Recommended Plan
RAP (New)
20-year timeline | $287/mo
NPV Lifetime Cost
$41,200
Saves $27,000 vs. worst option
How we calculate
NPV Comparison
Each plan's payment stream is discounted to present value using a risk-adjusted rate. Includes tax bomb liability and forgiveness benefit.
Monte Carlo Income Simulation
1,000+ income growth scenarios using BLS occupational wage distributions produce confidence intervals on IDR payment trajectories.
PSLF Breakeven
For eligible borrowers, we model 120 qualifying payments under each IDR plan and compare total paid vs. Standard plan payoff.
This analysis is not financial advice. Results are estimates based on federal repayment plan parameters and statistical models. Verify all plan details with your loan servicer. Tax implications vary by state. Forgiveness programs are subject to legislative change.