Title IV Payment Estimator

Put the payment in perspective.

Compare three current federal repayment structures without uploading a statement or opening an account. The estimate stays in this browser unless you choose a separate next step.

July 2026 structureRAP · IBR · Tiered Standard

A focused snapshot, not an eligibility decision or official payment quote.

Change one fact at a time

See what moves the monthly number.

Balance and interest shape fixed-payment estimates. Income, household details, tax dependents, loan type, and borrower dates shape income-based options.

Private inputs

Build a useful snapshot.

Use rounded numbers if you prefer. Nothing entered here is sent or saved.

01Loan snapshot
02Income snapshot
03Formula checkpoints
Educational comparison

Monthly estimates

Calculated on this device
Income-based$179

Repayment Assistance Plan

5% income band, less $50 per tax-return dependent

Monthly interest snapshot$228
RAP uses dependents claimed on your federal tax return, which is different from the broader IBR household-size definition. Eligible Direct Loan rules still apply.
Income-based$188–$282

Income-Based Repayment

Range shows the newer 10% and earlier 15% formulas. Borrower dates decide which may apply.

2026 poverty guideline used$21,640
Entry eligibility and partial-financial-hardship rules still require an official review.
Fixed payment$366

Tiered Standard

15-year fixed-payment term based on the entered balance

10-year Standard comparison$477
Plan availability depends on Direct Loan dates and transition rules; confirm before relying on this amount.
What the estimate is for

Use the range to ask a better question.

A lower monthly number is not automatically the lowest total cost or the right eligibility route. Confirm the actual payment through the official federal calculator or your servicer.

Estimator values are not included in either action and are never sent automatically.
Method & limits

The math is transparent. Eligibility is not assumed.

RAP uses the published AGI bands, a $50 monthly reduction for each dependent claimed on the federal tax return, and a $10 minimum. IBR uses 150% of the 2026 HHS poverty guideline and shows the applicable 10% or 15% structure. Tiered Standard uses level-payment amortization over the balance-based 10-, 15-, 20-, or 25-year term.

This version does not model spouse-loan proration, changing income, capitalization events, fees, accrued interest, future recertifications, forgiveness taxes, or every loan-history edge case.

U.S. Department of Education: July 2026 repayment changesFederal Student Aid: RAP calculation structureHHS: 2026 poverty guidelines