Estimator Tools
Four calculators, one place
Key Dates
OBBBA Repayment Plan Timeline
July 1, 2026
RAP becomes available for new enrollments. SAVE, PAYE, and ICR are terminated.
July 1, 2026
New IBR and Original IBR closed to new enrollments.
July 1, 2028
Legacy IBR plans (Original & New IBR) fully discontinued.
Disclaimer: This estimator provides approximate calculations for educational purposes only. Results are based on the rules established by the One Big Beautiful Bill Act (OBBBA, 2025) and the 2025 HHS Federal Poverty Guidelines. Actual payments may differ based on your specific loan servicer, loan types, enrollment date, and other factors. Consult your loan servicer or a certified financial advisor for official repayment figures.