For borrowers leaving the SAVE plan
Know your best repayment plan before your 90 days run out.
Every federal plan ranked with your own numbers and the math shown. The ranking is free, the kit is $29.
Ten questions, about two minutes. No password, nothing charged.
How it works
Answer ten questions.
Income, household, balance, when you borrowed, public service. One question per screen, number keys work, about two minutes. Drop in your studentaid.gov loan file for loan-by-loan accuracy; the file is read on your device and only the loan figures are sent.
See every plan ranked, free.
RAP, IBR, Standard, Graduated, Extended and the legacy plans, each with the payment, the all-in cost, how it ends, and the math behind it. Plans you cannot use are listed with the reason. Positions 2 onward are yours to keep, free.
See mineUnlock your #1 plan and the kit to switch to it. $29.
The math shown line by line, the extra savings you qualify for, the switching guide with real screenshots, the official form pre-filled, a dated timeline, every plan compared, the rules with their sources, and, as it switches on, a place to ask. Refund within 14 days.
Everything in the kit
The free calculator stops where the decision starts.
The official calculator marks IBR "not eligible" when the optional loan date is blank, does not tell old IBR from new, has no spouse income field, never mentions capitalized interest, and offers no switching steps. Right Repay handles all of it, then tells you the order to switch in.
Rules from studentaid.gov, the regulations, the 2025 law and the 2026 poverty guidelines, 29 sources linked from every page. Checked September 2, 2026.
Questions people ask first
My notice has not arrived. Should I wait?
Servicers send notices in waves from July 2026 into 2027, and nobody is moved before September 29, 2026. You do not have to wait: interest has run in the forbearance since August 1, 2025, and those months earn no credit toward forgiveness. Rank your plans now, apply when the payment fits your budget.
Is September 30 my deadline?
No. Your deadline is 90 days from the date on your own notice. September 30, 2026 is the last day to enroll in auto pay for the 1 point interest rate reduction that runs through June 2028. The kit dates both for you.
What do I need to answer the questions?
Ten questions: your adjusted gross income (line 11 of your return), your household size, your loan balance and average rate, roughly when you first borrowed, and whether you work in public service; then an email to save it to. Your studentaid.gov loan file makes it exact: it is read on your device, and only the loan figures (balances, rates, dates, servicer) are sent to rank the plans.
Is Right Repay an official site?
No. It is software from FieldCFO, Inc. You apply for a plan at studentaid.gov or with your servicer, both free. Right Repay ranks the plans with your numbers and, for $29, hands you everything to switch: the math, the guide, the documents, the dates.