RepayPilot Answer
Which plan applies depends on current program rules and borrower-specific loan facts.
Current calculations unavailable — reviewed September 29, 2026.
What is—and is not—compared
| Decision factor | IBR | Standard Repayment |
|---|---|---|
| Eligibility | Requires current rule verification | Requires current rule verification |
| Monthly payment | Not modeled | Not modeled |
| Forgiveness or PSLF effects | Not modeled | Not modeled |
Questions to ask your servicer
- Which plans are currently available for each of my loans?
- What payment and repayment term would apply to each loan under each option?
- How would the choice affect my forgiveness or PSLF progress, if applicable?
- Is an application or documentation required, and by what date?
No payment, eligibility, forgiveness, or savings conclusion is calculated on this page. We will not infer one from another plan's rules.
Find a next step