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START HERE
DIY application walkthrough
Checklist, official sign-in link, plan comparison, income documentation, submission confirmation, and after-application steps.
Follow the guide ↗Home / Learn
THE EDUCATION LIBRARY
Build your understanding, one clear step at a time.
Use the library to learn the terminology, compare options, prepare for official applications, and keep track of dates. Every guide points back to primary sources wherever possible.
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COMPARE
IDR plan comparison
RAP, IBR, PAYE, ICR and the SAVE transition, with formulas, term lengths and key eligibility cautions.
Compare plans ↗◷
2026 POLICY
New rules in effect July 1, 2026
Understand the introduction of RAP and Tiered Standard, date-sensitive eligibility, and the upcoming plan sunsets.
Read the briefing ↗✳
SAVE NOTICE
How to handle a transition notice
Know which date controls your deadline and the consequences of not choosing another plan.
Open SAVE guide ↗%
POTENTIAL SAVINGS
Temporary 1% auto-pay rate reduction
Current announced deadline, duration, eligibility checkpoint, and what to verify with a servicer.
Read auto-pay briefing ↗◎
PUBLIC SERVICE
PSLF and the 2026 court decision
A careful explainer on the employer-rule attestation that was vacated before its effective date.
Read PSLF update ↗PLAN GUIDE
Repayment Assistance Plan (RAP)
Income formula, dependent reduction, benefits, 30-year repayment horizon, and limitations.
Open RAP guide ↗PLAN GUIDE
Income-Based Repayment (IBR)
10% vs. 15%, qualifying borrower history, repayment period, and payment cap.
Open IBR guide ↗WORKSHEET
Printable plan comparison worksheet
Record estimates from the official calculator, compare costs and terms, and prepare questions for your servicer. Entries stay in your browser.
Use the worksheet ↗GLOSSARY
Student-loan term glossary
Understand common words on a billing statement, notice, or federal repayment guide.
Look up a term ↗RESEARCH STANDARD
Sources and review process
See the primary sources used and how information is labeled, dated, and checked.
Review our sources ↗