Questions
What happens if I do nothing before September 30?
Borrowers who do not choose a plan are placed on the Standard plan, the fixed 10-year payment. For many people who paid little or nothing under SAVE that means hundreds of dollars a month.
What does the free comparison include?
Every federal plan you qualify for, ranked by all-in cost or by payment: the monthly amount, the total paid, the tax on anything forgiven, and how each plan ends. It stays free.
What is in the $29 plan kit?
The steps to switch in the right order, your servicer's contact and a call script, a checklist that saves as you go, married filing separately math, a PSLF tracker, the tax to set aside, a printable plan, and reminder emails before the deadline and before recertification.
Does my loan file leave my computer?
The file is read inside your browser tab and is never uploaded. If you ask us to email your comparison or you buy the kit, we save your answers and the parsed loan list to your account so it opens on any device. Never the raw file, never your name from it.
Why is there no password?
Your account is your email. We send a sign-in link when you need one. Nothing to remember, nothing to leak.
Is this the same as the government calculator?
No. The federal calculator shows payment estimates. It does not tell you which version of IBR you qualify for, what filing separately does to your payment, when unpaid interest capitalizes, or how to switch. Right Repay does.
Do you contact my servicer or promise forgiveness?
Never. Right Repay is software. You keep full control of your account, and no outcome is promised. The kit tells you what to choose and how to file it yourself.
What if the kit does not help me?
Email help@rightrepay.com within 14 days of purchase and you get a full refund. No questions.