Your Repayment Plan Advisor
Are you overpaying on your student loans?
For federal student loans: find out which repayment plan saves you the most — and whether you qualify for loan forgiveness.
What state are you in?
100% money-back guarantee · Secured by Stripe
45M
federal student loan borrowers
$200–600
estimated monthly savings for borrowers who switch to the right IDR plan
How it works
Answer a few quick questions.
Income, balance, employment type — takes about 2 minutes.
See your estimated savings on each plan.
Free — see how much you could save monthly before you pay anything.
Unlock your full recommendation for $25.
Which plan to choose, whether PSLF applies, and exactly how to switch.
What you get
A specific recommendation, not generic advice.
Which repayment plan saves you the most
Compared across SAVE, IBR, PAYE, ICR, and standard — specific to your income, balance, and family size.
Your estimated monthly payment on each plan
Side-by-side so you can see the difference clearly.
Whether you qualify for PSLF forgiveness
If you work for government or a nonprofit, this can be worth tens of thousands. We tell you clearly if it applies.
How to switch — step by step
Where to go (studentaid.gov), what to click, what documents you need, and what to expect from your servicer.
Urgent deadlines or warnings specific to your situation
SAVE forbearance status, recertification windows, consolidation pitfalls — flagged explicitly if relevant to you.
Simple pricing
Assessment
Free
- ✓Estimated payments per plan
- ✓Monthly savings estimate
- ✓PSLF eligibility flag
Full Plan
$25
- ✓Specific plan recommendation
- ✓PSLF full assessment
- ✓Step-by-step switching guide
One-time payment · Instant access
100% Money-Back Guarantee
If the recommendation doesn't help you — your money back. No questions asked.
The plans we compare
Federal student loan repayment options — most borrowers qualify for at least two.
SAVE / REPAYE
⚠ In legal limbo5–10% of discretionary income. Forgiveness after 20–25 years. Currently blocked by courts — borrowers are in interest-free forbearance.
Income-Based Repayment (IBR)
✓ Legally stable10–15% of discretionary income. Available to anyone with a partial financial hardship. Forgiveness after 20–25 years.
Pay As You Earn (PAYE)
✓ Newer borrowers10% of discretionary income. Forgiveness after 20 years. Requires loans disbursed after Oct 2011.
Public Service Loan Forgiveness
⭐ Tax-free forgivenessFor government and nonprofit employees. 120 qualifying payments → entire remaining balance forgiven, tax-free.
Common questions
What repayment plan should I be on?
It depends on your income, family size, balance, and who you work for. Income-driven plans cap payments at 10–15% of discretionary income. If you work for government or a 501(c)(3) nonprofit, PSLF forgives your remaining balance after 10 years — making it far more valuable than faster payoff plans.
What happens to SAVE plan borrowers?
SAVE has been blocked by federal courts and is in ongoing litigation. Borrowers enrolled in SAVE are in interest-free forbearance, but payments during this period do not count toward IDR forgiveness or PSLF. Borrowers on SAVE should consider switching to IBR or PAYE — both are legally stable and payments count toward forgiveness. Check studentaid.gov for the latest status.
Do I qualify for PSLF?
PSLF requires: (1) federal Direct Loans, (2) an income-driven repayment plan, (3) full-time employment at a qualifying employer — government or 501(c)(3) nonprofit, and (4) 120 qualifying payments. If you meet these, your remaining balance is forgiven tax-free. Our assessment tells you clearly whether it applies to you.
How do I switch repayment plans?
Go to studentaid.gov, log in, and apply for an income-driven repayment plan. It is free and there is no penalty. You will need your most recent tax return or a pay stub. Your servicer processes the change. Our full plan tells you exactly what to do and what to expect.
Is this financial advice?
No. Result.Law provides factual information about federal student loan repayment programs — not financial advice. We are not affiliated with the Department of Education or any loan servicer. We explain how the programs work and which options likely apply to your situation so you can make an informed decision.
Educational information only · Not financial advice · Not affiliated with the Dept. of Education