Plan guide

Explore the options without guessing at eligibility.

Plan availability and terms can depend on your loan type and history. RepayPilot distinguishes verified transition facts from plan rules that still need review.

Transition rule 2026-09-29.1 verified

SAVE transition

Read the source-linked 90-day response window for SAVE transition notices.

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Calculation requires verification

RAP

RepayPilot does not currently determine RAP eligibility or estimate a RAP payment.

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Calculation requires verification

IBR

Plan terms and eligibility require a current rule set matched to your loan details.

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Calculation requires verification

Standard repayment

Ask your servicer to confirm the schedule and payment that applies to each loan.

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Transition outcome only

Tiered Standard

Transition sources mention possible automatic placement; no borrower-specific payment is calculated.

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For personalized eligibility and payment amounts, verify current details in your Federal Student Aid account and with your loan servicer.