For borrowers on the SAVE plan
SAVE is ending.
Know your best plan before your 90 days run out.
Every federal plan ranked with your own numbers, the math shown. Free to rank. $29 for the kit to switch.
Ten questions, about two minutes. Totals that match the studentaid.gov calculator. No password, nothing charged.
The clock
90 days
from the date on your own SAVE notice, not from anything in the news. Servicers are sending the notices in waves, from July 2026 into 2027.
The first wave of deadlines lands on September 29, 2026, which is 27 days from today. Miss yours and you are placed on the Standard plan by default: $659 a month for the borrower in the table below.
About 7.5 million borrowers are leaving SAVE. U.S. Department of Education, July 2026.
See it work
Every plan, ranked with your numbers.
A sample borrower: $46,000 income, $58,000 in loans, single, first loan after 2014. Each plan gets the payment, the all-in cost and how it ends. Three more were checked and set aside, with the reason.
The ranking is free, every position with the math. The kit to switch: $29.
The kit, $29 once
Everything to switch, not just the name of the plan.
Built from your answers the moment you pay. Saved to your account, the report emailed to you, everything printable. Refund within 14 days, no questions.
- Your plan, with the math shown8 linesThe formula with your numbers in it, so you can check every figure.
- Extra savings you qualify forup to 10 leversAuto pay's 1 point cut, filing status, PSLF, employer help, the deduction. Each with its source.
- The switching guide, with pictures4 to 7 stepsReal screenshots of studentaid.gov and your servicer, the button to click outlined.
- Your documents4 filesThe report, the official form pre-filled, the answer sheet, a calendar file with every date.
- What happens next, dated9 eventsThe notice, the deadline, processing, the first bill, auto pay, recertification.
- Every plan, compared3 chartsBalance and payment over time, where every dollar goes, a year-by-year table.
- The rules, and where to check them29 sourcesEvery plan's rules in plain words, and the pages they come from.
- Ask about your plan40 questionsAnswered from your ranking and the rules above, with the source for each answer.
A one hour call with a student loan consultant is $495 to $595 and nothing is written down. This is $29, and yours to keep.
The math, line by line
Why not the free calculator
The official calculator stops where the decision starts.
- Marks IBR "not eligible" when the optional loan date is blank.
- Does not tell old IBR from new, a 10% versus 15% payment.
- Has no spouse income field, so married couples see the wrong number.
- Never mentions capitalized interest (unpaid interest added to your balance) or the auto pay rate cut.
- Offers no switching steps, no form, no dates, nobody to ask.
Rules from studentaid.gov, the regulations, the 2025 law and the 2026 poverty guidelines; totals cross-checked against the studentaid.gov calculator. 29 sources linked from every page. Checked September 4, 2026.
Before you start
Questions people ask first.
Anything else: the questions page or help@rightrepay.com, answered within a day.
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?
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 are sent to rank the plans.
Why is there no password?
A password is one more thing to lose in a stressful month. Your kit opens from a link or a six digit code sent to your email, on any device, for as long as you need it. Nothing about your loans is ever sent to your servicer.
Is Right Repay an official site?
No. It is software from Wedgeworks. 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.
Two minutes now, or the Standard plan by default later.
No password, nothing charged.