The SAVE plan is dead.
Pick your next plan on the math — not on autopilot.
Roughly 7.5 million borrowers on SAVE must choose a new repayment plan by September 29, 2026 — or be moved onto one automatically. The difference between RAP, IBR, and Standard can be tens of thousands of dollars over the life of your loans. RAP Switch computes your exact numbers on each plan, then four rival AI labs review your situation and deliver one calibrated verdict — with the checklist to act on it.
Free preview shows your monthly payment on every plan. The full verdict — totals, forgiveness horizons, panel review, recommendation, checklist — is $19.99, once.
What you get for $19.99
Exact payment table
Your monthly payment on RAP, IBR, and Standard — computed by deterministic amortization math, not AI guesswork.
Total-cost + forgiveness horizons
What each plan costs over its full life, when forgiveness lands (RAP 30-yr / IBR 20–25-yr / PSLF 120 payments), and the dollar gap between plans.
4-lab AI panel + verdict
Anthropic, DeepSeek, Google, and Groq each independently argue which plan fits your situation; a synthesis verdict states its confidence — and why.
studentaid.gov checklist
The concrete steps to act on the verdict before the September 29, 2026 deadline.
How it works
- Enter your numbers (free). Balance, rate, income, family size, prior IDR payment months, PSLF plans — about two minutes.
- See your payment on every plan (free). RAP’s AGI-bracket payment, IBR’s discretionary-income payment, and Standard — computed by pure amortization math.
- Unlock the verdict ($19.99). Total paid per plan, forgiveness horizons, dollar deltas, four independent lab opinions, and one synthesis recommendation with calibrated confidence.
- Act before the deadline. The verdict ends with the exact studentaid.gov steps — so the September 29 decision is yours, not the default’s.
Illustrative example — not a real case
AGI $60,000, no dependents → RAP is $250/mo (5% bracket). The same borrower on IBR at household size 1 pays about $304/mo — but the two plans differ sharply on interest treatment, forgiveness clocks, and what happens if income rises.
⬤ The trap most borrowers miss: prior IDR months count toward RAP’s 30-year forgiveness clock — but months paid under RAP do not count toward IBR’s 20/25-year clock. Which door you walk through first can matter more than the monthly payment. The verdict weighs exactly this.
Built by AEQUARA — the calibration company. The panel models are calibration-scored in public on the Model Calibration Index.
RAP Switch is an informational analysis — not financial advice, and not affiliated with the U.S. Department of Education. Figures are computed under rules effective July 1, 2026 (verified 2026-07-03); ED guidance is still evolving, and your verdict lists exactly what would change the answer. Confirm plan terms at studentaid.gov before acting.