This is an independent tool, not a government website. No login, loan number, or Social Security number is needed.

For borrowers watching the SAVE Plan transition

SAVE Plan Deadline Checker

Find out whether you may be affected, estimate your 90-day servicer notice window, and calculate a rough RAP payment before choosing your next step.

Check my deadline Estimate RAP payment
90-day noticeUse your servicer's specific deadline, not a guessed calendar date. RAP estimateSee the AGI tier and dependent credit behind the monthly payment. Eligibility caveatsParent PLUS and new-loan timing can change your options.

Deadline estimate

Check your SAVE Plan window

Ready
Your current situation
Use YYYY-MM-DD. If you have not received a notice, leave this blank.
May be affected Servicer not selected

Watch for a notice after July 1, 2026

Borrowers on SAVE are expected to receive servicer notices. Your 90-day action window depends on the notice date listed by your servicer.

StartNotice date Action window90 days Estimated deadlineTBD
Use the date on your official servicer notice before making repayment decisions.

Repayment path comparison

See how common paths can differ

RAP estimates use the published AGI percentage and dependent adjustment. Check official tools before you apply or switch plans.

Estimated RAP monthly payment

6% AGI

$300

Based on AGI, the applicable RAP percentage, and the $50 monthly reduction for each IRS dependent.

  • Minimum payment is $10
  • Income tier can change after recertification
  • Confirm eligibility before changing plans

Other IDR paths

Review

Check eligibility

Some borrowers with older loans may still have IBR or other legacy options for a limited time.

  • Income and family size can matter
  • Forgiveness timelines vary
  • PSLF borrowers should confirm qualifying payments

Standard or tiered repayment

Highest

Fixed term

Fixed or tiered payments may cost more each month and may not lead to IDR forgiveness.

  • Payments can be predictable
  • May repay faster
  • Confirm before letting a plan change happen by default

High-intent borrower questions

Check the details that change the answer

Search demand is strongest around deadlines, RAP payment estimates, eligibility, and what happens if borrowers wait. These are the facts to verify before acting.

On SAVE now

Your servicer notice should control the 90-day action window. Keep the notice and any confirmation records.

Parent PLUS debt

Parent PLUS loans and consolidations that include Parent PLUS loans are not eligible for RAP.

New loans after July 1, 2026

Borrowing a new Direct Loan after this date can limit repayment choices to RAP or Tiered Standard.

PSLF borrowers

Confirm whether each plan counts for qualifying payments before switching or waiting.

How it works

Use your official notice as the source of truth

  1. 1

    Confirm your plan. Check your Federal Student Aid account or servicer dashboard.

  2. 2

    Find your notice date. Your 90-day window should start from the date listed by your servicer.

  3. 3

    Estimate your payment. Compare RAP, IDR, standard repayment, forgiveness, and PSLF effects before changing plans.

  4. 4

    Keep records. Save notices, application confirmations, and screenshots of submitted forms.

Servicer action checklist

Before your window closes

Key dates

The SAVE transition timeline

Dates can change through court orders, agency guidance, and servicer notices. Always verify the latest official information.

Education Department guidance issued

The Department said SAVE borrowers would be directed to enter another federal repayment plan.

Servicer notices expected

Borrowers may receive instructions about repayment plan options and action windows.

Estimated action deadline

Your deadline depends on the notice date from your servicer.

Plan changes may be applied

Review your account before a default plan change affects payments.

Frequently asked questions

Fast answers for SAVE borrowers

Is this an official student loan website?

No. This site is independent and does not replace Federal Student Aid, your loan servicer, or legal advice.

Does my 90-day deadline start on July 1, 2026?

Not necessarily. Servicers are expected to begin sending notices on July 1, 2026, but your action window should follow the specific deadline communicated by your servicer.

What if I have not received a notice?

Leave the notice date blank and check your servicer account regularly. Your real deadline should be based on the notice you receive.

Can I use this if I am not on SAVE?

Yes, but the deadline estimate is mainly for borrowers affected by the SAVE transition. You can still use the comparison section to prepare questions for your servicer.

Does this site store my loan information?

No. The checker runs in your browser and does not ask for private account identifiers.

Can Parent PLUS borrowers use RAP?

Parent PLUS loans and consolidation loans that include Parent PLUS loans are not eligible for RAP. Verify your loan type before relying on a RAP estimate.

Official sources

Verify before you act

Use this site as a starting point, then confirm details with government and servicer sources.

Federal Student Aidstudentaid.gov ED SAVE Updateed.gov Loan Simulatorstudentaid.gov/loan-simulator IDR Plan Infostudentaid.gov/idr Find Your Servicerstudentaid.gov RAP Formula Sourcefsapartners.ed.gov