Student Loan Repayment Plans

The plan you're on decides your monthly payment, how much interest you pay and whether anything gets forgiven. SAVE is over, RAP is new, and the rules depend on when your loans were made. These guides help you pick.

Start here

The guides to read first.

Pick the right plan

Coming off SAVE

Parent PLUS repayment

Pick a plan

Every federal plan, who can use it and what it costs.

2 guides

Parent PLUS and day to day

Parent loans, autopay and keeping payments on track.

3 guides

Explore other topics

Student Loan Basics5 guides Forgiveness and PSLF4 guides Behind on Payments2 guides Refinance and Consolidate10 guides Pay Off Faster6 guides Budget While You Repay6 guides Side Income15 guides Paying for College8 guides

BEAT STUDENT LOANSPlain-English help paying off student loans

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Beat Student Loans is the plain-English guide to paying off your student loans. We explain repayment plans, forgiveness, default and refinancing in everyday words, check the rules against official sources like StudentAid.gov, and build free calculators so you can run your own numbers.

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Repayment Plans

PSLF and Forgiveness

Behind on Payments

Calculators and Tools

Resources

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