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Free preview of your monthly payment on every plan. The full verdict — totals, forgiveness horizons, 4-lab panel, recommendation, checklist — is $19.99 at the next step.

Total federal loan balance (USD)Weighted average interest rate (%)Adjusted gross income — AGI (USD)Tax filing status

Family size (incl. you)

Dependents

Current repayment plan

Months of prior qualifying IDR payments

Assumed annual income growth (%)

My first federal student loan was before July 1, 2014 (sets legacy IBR at 15% / 25-yr instead of 10% / 20-yr)I’m taking a NEW federal loan on/after July 1, 2026 (unlocks the new Tiered Standard plan)I’m pursuing Public Service Loan Forgiveness (PSLF)Email (for your receipt and verdict link — optional until checkout)

RAP Switch is informational — not financial advice, and not affiliated with the U.S. Department of Education. Confirm plan terms at studentaid.gov before acting.