The SAVE Plan ended by court order on March 10, 2026. Federal Student Aid: SAVE borrower update
Income-Based Repayment (IBR), Pay As You Earn (PAYE), Income-Contingent Repayment (ICR), and the Repayment Assistance Plan (RAP) are IDR plans. The Tiered Standard Plan is a fixed-payment plan. Federal Student Aid: IDR plan FAQs
For eligible loans, RAP is the only IDR plan if all your loans were disbursed on or after July 1, 2026; Parent PLUS loans are excluded. For other borrowers, available plans depend on loan type and first-disbursement date. Federal Student Aid: IDR plan FAQs
PAYE and ICR will end no later than July 1, 2028. Federal Student Aid: IDR plan FAQs
IDR plans require annual recertification of income and family size, even when neither has changed. Federal Student Aid: IDR plan FAQs
If you are on SAVE, check your StudentAid.gov account and your servicer notice for your own next step and deadline. Federal Student Aid: SAVE borrower update
Eligible borrowers enrolled in auto pay by December 31, 2026, including borrowers already enrolled, receive a temporary 1% interest-rate reduction through June 30, 2028. Use the rate your servicer gives you here; this projection does not apply the reduction automatically. Federal Student Aid: IDR plan FAQs
The official Repayment Calculator gives estimates. After you apply and your servicer processes your information, your servicer sets the final terms, including your monthly payment. Official Repayment Calculator