7 million borrowers must leave the court-blocked SAVE plan by September 30, 2026 — and most don't know which IDR plan to switch to. The studentaid.gov Loan Simulator is broken for the new RAP plan. ChatGPT gets IDR math wrong with the 2026 rules. This agent does the math for you using current 2026 Federal Poverty Guidelines and the actual regulatory formulas. ## What's included - **Side-by-side plan comparison** — IBR, PAYE, ICR, and the new RAP plan launching July 2026; monthly payment, total interest, forgiven balance, years to forgiveness, all in one view - **Month-by-month payment projections** — over the full forgiveness window (20 or 25 years); see exactly when payments rise with income recertification - **Total-cost math** — actual interest paid + actual principal paid + actual amount forgiven; not estimates, regulatory formulas applied to your numbers - **PSLF optimization** — surfaces which plan maximizes qualifying payment months for forgiveness at month 120; flags traps that quietly reset your count - **PSLF trap warnings** — non-qualifying employer types, FFEL consolidation that resets the clock, forbearance gaps that don't count, contractor status disqualification, employer certification cadence - **SAVE transition urgency engine** — flags the September 30, 2026 deadline + your personal payment risk if you don't act - **Application checklist** — step-by-step studentaid.gov walkthrough for the plan you choose, including supporting documents and timing - **Income recertification reminders** — auto-flagged 60 days before your annual deadline so your payment doesn't spike unexpectedly - **Mixed-loan-type guidance** — Direct + FFEL + Perkins + Parent PLUS combos with consolidation decision math ## Limitations - **Not a financial advisor** — math + plan comparison; debt-vs-invest, refinance-to-private, or bankruptcy strategy decisions need licensed counsel - **Not a loan servicer** — generates the application package; you submit on studentaid.gov / via MOHELA / Nelnet / Aidvantage - **Federal loans only** — private loans (Sallie Mae, SoFi, Earnest refinance) are outside the IDR system entirely - **Not legal counsel** — bankruptcy discharge, total-and-permanent disability discharge, or borrower-defense claims need an attorney - **U.S.-focused** — Canadian RAP / UK student loan plans entirely different systems ## Best fit Recent grads choosing their first plan, current borrowers stranded by SAVE court block, anyone pursuing PSLF, borrowers with mixed Direct + FFEL + Perkins loans, and anyone whose servicer gave them confusing or contradictory advice. Especially valuable for borrowers with balances over $50K — the wrong plan choice can mean an extra $15K-$80K in interest paid or 5+ extra years to forgiveness. At $9/month, one correctly-chosen plan over 20 years is the highest-leverage subscription on this site.
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