Right Repay

The default when you choose nothing

Standard 10-year

The same payment every month for ten years. Where SAVE borrowers land if they choose nothing.

See where it ranks for you, free Two minutes, your own numbers, every plan side by side.

Payment
A level payment that clears the balance in 120 months at your rate. It does not change with income.
Who qualifies
Loans made before July 1, 2026. Later loans use the Tiered Standard plan.
Forgiveness
None. The balance is paid in full.
Interest
All interest is paid; nothing accrues unpaid because the payment always covers it.
PSLF
Qualifies, though a 10-year plan pays the loan off in the same 120 payments, so little is left to forgive.
Taxes
Nothing is forgiven, so nothing is taxed.
How to apply
Request it from your servicer, online or with the Repayment Plan Request form. Borrowers who do nothing are placed on it when the 90-day window closes.
Leaving it
You can move to an income-driven plan at any time; confirming Standard yourself avoids a surprise bill date.
Dates
No end date.

Good for

  • Balances small against income, where the payment is affordable and the total is lowest
  • Paying off fast

Watch out

  • The highest monthly payment of the fixed plans
  • No forgiveness
Hands holding a printed repayment plan over a desk with a pen and a phone

Where Standard lands for you depends on your numbers.

Right Repay runs every plan on your income, household, balance and loan dates, ranks them on all-in cost, and shows the math. Positions 2 onward are free; the kit to switch is $29.

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Sources

Which plan is right for you depends on your income, your balance and your loans' dates.

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The other plans