Federal Loan Repayment Plan Comparison

⚠️ Important IDR Disclaimer IDR plan rules, discretionary income thresholds, and forgiveness terms change by regulation and litigation. The SAVE plan in particular has been subject to ongoing court challenges in 2025–2026. These projections are estimates based on 2026 published rules. Always verify current plan status at studentaid.gov before enrolling. Forgiven amounts may be subject to federal income tax depending on current law.