The SAVE Plan
The 2026 Revised SAVE Plan can lower monthly payments to $0 if you earn less than 225% of the poverty line. All remaining interest is subsidized by the government.
PSLF Updates
Public Service workers can now benefit from automated employment certification. 120 payments remain the threshold for 100% tax-free forgiveness.
Closed School Discharge
If your institution closed while you were enrolled (or shortly after), you might qualify for an automatic 100% discharge without a formal application.
Critical Deadlines & Requirements
IDR Recertification
Failure to recertify your income by the 2026 deadline could spike your payments to the standard 10-year plan rate. Always use the "Auto-Recertify" feature.
- Consolidate FFELP loans into Direct Loans.
- Submit the IDR waiver before the seasonal cutoff.
Teacher Loan Forgiveness
Specialized for highly qualified teachers in low-income schools. You can get up to $17,500 forgiven after 5 years.
- Must be a full-time teacher.
- Math, Science, and Special Ed get the maximum.
Advanced Forgiveness Calculator
Estimated Total Forgiveness
$0.00Enter your data to see potential savings under the SAVE plan.
