🇺🇸 Student Loan Payoff Calculator 2026
Navigate the new RAP repayment plan, compare IBR, and see your true payoff timeline under 2026 US federal rules.
📋 Your Loan Details
📊 Your Payoff Analysis
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Total amount paid
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Total interest paid
0 years
Time until payoff or forgiveness
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Amount forgiven (if any)
📊 Plan Comparison
| Plan | Total Paid | Payoff Time | Forgiven? |
|---|---|---|---|
| Click Calculate | |||
📜 2026 Policy Updates You Need To Know
🇺🇸 US: The "One Big Beautiful Bill Act" (2026) replaces SAVE and PAYE with the Repayment Assistance Plan (RAP). Forgiveness now takes 30 years for graduate loans.
🇬🇧 UK: Plan 2 repayment threshold is now £29,385 (frozen until 2027). Plan 5 (for 2023+ starters) has 40-year repayment term.