{
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  "property_id": "prexvo",
  "domain": "prexvo.com",
  "canonical_url": "https://prexvo.com",
  "inLanguage": "en-US",
  "dateModified": "2026-10-27",
  "tools_count": 17,
  "tools": [
    {
      "slug": "grad-plus-borrowing-cap-calculator",
      "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/",
      "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
      "description": "Calculate federal graduate student loan borrowing caps ($20,500 annual Direct Unsubsidized, $138,500 aggregate) and Grad PLUS phase-out rules.",
      "quick_answer": "Under Higher Education Act Section 455(a) and 34 CFR 685.203, Grad PLUS Borrowing Cap enforces the $20,500 annual Direct Unsubsidized graduate borrowing limit and $138,500 aggregate statutory loan ceiling while modeling OBBBA Grad PLUS phase-out caps, 4.228 percent federal origination fees, and residual professional school funding gaps.",
      "statutory_authority": "Higher Education Act Section 455(a) (20 U.S.C. 1087e); 34 CFR 685.203",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 20500.0,
      "inputs": {
        "cost_of_attendance": 78000,
        "institutional_aid": 15000,
        "direct_unsubsidized_annual_cap": 20500
      },
      "query_syntax": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        },
        {
          "slug": "icr-repayment-calculator",
          "title": "Income-Contingent Repayment (ICR) Formula Tool",
          "url": "https://prexvo.com/tools/icr-repayment-calculator/"
        }
      ],
      "verified_partners": [
        "sofi",
        "splash_financial",
        "credible",
        "earnest",
        "lendkey"
      ]
    },
    {
      "slug": "ibr-hardship-cap-calculator",
      "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/",
      "title": "IBR 10-Year Standard Payment Cap Calculator",
      "description": "Calculate Income-Based Repayment (IBR) Partial Financial Hardship thresholds and the 10-year Standard payment ceiling under HEA Section 493C.",
      "quick_answer": "Under Title IV regulation 34 CFR 685.209 and 20 U.S.C. 1098e, IBR Hardship Cap determines monthly obligations using the 150 percent HHS Poverty Guideline exemption ($23,475 protected single-filer income) and a 10 to 15 percent discretionary rate capped at the 10-year Standard Repayment ceiling, with principal forgiveness after 240 to 300 qualifying payments.",
      "statutory_authority": "Higher Education Act Section 455 (20 U.S.C. 1087e); 34 CFR 685.209; 42 U.S.C. 9902(2)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 346.04,
      "inputs": {
        "agi": 65000,
        "loan_balance": 60000
      },
      "query_syntax": "https://prexvo.com/tools/ibr-hardship-cap-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "icr-repayment-calculator",
          "title": "Income-Contingent Repayment (ICR) Formula Tool",
          "url": "https://prexvo.com/tools/icr-repayment-calculator/"
        }
      ],
      "verified_partners": []
    },
    {
      "slug": "icr-repayment-calculator",
      "url": "https://prexvo.com/tools/icr-repayment-calculator/",
      "title": "Income-Contingent Repayment (ICR) Formula Tool",
      "description": "Calculate Income-Contingent Repayment (ICR) monthly payments under 34 CFR 685.209(b) using 20% discretionary income or 12-year fixed IPF rules.",
      "quick_answer": "Under Title IV regulation 34 CFR 685.209(b) and HEA Section 455(d), Income Contingent Repayment calculates monthly obligations as the lesser of 20 percent of discretionary income above 100 percent of the HHS Poverty Guideline or a 12-year fixed payment adjusted by an income percentage factor for consolidated Parent PLUS and Direct loans.",
      "statutory_authority": "34 CFR 685.209(b); Higher Education Act Section 455(e) (20 U.S.C. 1087e(e))",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 784.12,
      "inputs": {
        "agi": 65000,
        "poverty_guideline": 15650,
        "discretionary_rate": 0.2,
        "income_adjusted_12yr_payment": 784.12
      },
      "query_syntax": "https://prexvo.com/tools/icr-repayment-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "splash_financial",
        "sofi",
        "credible",
        "earnest",
        "lendkey"
      ]
    },
    {
      "slug": "married-filing-separately-student-loan-calculator",
      "url": "https://prexvo.com/tools/married-filing-separately-student-loan-calculator/",
      "title": "Married Filing Separately IDR Student Loan Calculator",
      "description": "Calculate Married Filing Separately student loan payment savings under 34 CFR 685.209(e) by excluding spousal AGI vs separate tax filing cost.",
      "quick_answer": "Under Title IV regulation 34 CFR 685.209(e) and IRC Section 1(j), Married Filing Separately Student Loan excludes spousal Adjusted Gross Income from income-driven student loan payment math when spouses file separate federal returns, comparing annual IDR payment savings against the marginal tax liability increase from forfeiting joint filing tax credits.",
      "statutory_authority": "Higher Education Act Section 455 (20 U.S.C. 1087e); 34 CFR 685.209; 26 U.S.C. Section 1",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 306.56,
      "inputs": {
        "borrower_agi": 85000,
        "spouse_agi": 80000
      },
      "query_syntax": "https://prexvo.com/tools/married-filing-separately-student-loan-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "lendkey",
        "splash_financial",
        "sofi",
        "credible",
        "earnest"
      ]
    },
    {
      "slug": "parent-plus-double-consolidation",
      "url": "https://prexvo.com/tools/parent-plus-double-consolidation/",
      "title": "Parent PLUS Double Consolidation Calculator",
      "description": "Calculate Parent PLUS Double Consolidation repayment options comparing 10% IDR discretionary formulas against 20% single-consolidation ICR.",
      "quick_answer": "Under Title IV regulation 34 CFR 685.209(b) and HEA Section 455(d), Parent PLUS Double Consolidation calculates monthly obligations as the lesser of 20 percent of discretionary income above 100 percent of the HHS Poverty Guideline or a 12-year fixed payment adjusted by an income percentage factor for consolidated Parent PLUS and Direct loans.",
      "statutory_authority": "34 CFR 685.220; 34 CFR Part 685 statutory consolidation provisions",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 248.23,
      "inputs": {
        "loan_balance": 80000,
        "agi": 65000,
        "poverty_guideline": 15650,
        "discretionary_multiplier": 2.25,
        "rap_rate": 0.1
      },
      "query_syntax": "https://prexvo.com/tools/parent-plus-double-consolidation/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "sofi",
        "splash_financial",
        "credible",
        "earnest",
        "lendkey"
      ]
    },
    {
      "slug": "parent-plus-double-consolidation-loophole-2026-calculator",
      "url": "https://prexvo.com/tools/parent-plus-double-consolidation-loophole-2026-calculator/",
      "title": "Parent PLUS Double Consolidation Loophole 2026 Calculator",
      "description": "Calculate 2026 Parent PLUS Double Consolidation Loophole sunset eligibility, two-step Direct Consolidation rules, and 10% IDR vs 20% ICR caps.",
      "quick_answer": "Under Title IV regulation 34 CFR 685.209(b) and HEA Section 455(d), Parent PLUS Double Consolidation Loophole calculates monthly obligations as the lesser of 20 percent of discretionary income above 100 percent of the HHS Poverty Guideline or a 12-year fixed payment adjusted by an income percentage factor for consolidated Parent PLUS and Direct loans.",
      "statutory_authority": "Higher Education Act Section 455 (20 U.S.C. 1087e); 34 CFR Part 685; 42 U.S.C. 9902(2)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 248.23,
      "inputs": {
        "agi": 65000,
        "poverty_guideline": 15650,
        "discretionary_multiplier": 2.25,
        "payment_rate": 0.1
      },
      "query_syntax": "https://prexvo.com/tools/parent-plus-double-consolidation-loophole-2026-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "splash_financial",
        "sofi",
        "credible",
        "earnest",
        "lendkey"
      ]
    },
    {
      "slug": "paye-sunset-calculator",
      "url": "https://prexvo.com/tools/paye-sunset-calculator/",
      "title": "PAYE Sunset & Plan Transition Analysis Engine",
      "description": "Calculate PAYE Sunset under Title IV 34 CFR 685.209 using 150% HHS Poverty Guidelines ($23,475 single exemption), hardship caps, and forgiveness rules.",
      "quick_answer": "Under Title IV regulation 34 CFR 685.209 and 20 U.S.C. 1098e, PAYE Sunset determines monthly obligations using the 150 percent HHS Poverty Guideline exemption ($23,475 protected single-filer income) and a 10 to 15 percent discretionary rate capped at the 10-year Standard Repayment ceiling, with principal forgiveness after 240 to 300 qualifying payments.",
      "statutory_authority": "34 CFR 685.209; Higher Education Act Section 455 (20 U.S.C. 1087e)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 346.04,
      "inputs": {
        "agi": 65000,
        "poverty_guideline": 15650,
        "discretionary_multiplier": 1.5,
        "payment_rate": 0.1,
        "standard_cap": 681.0
      },
      "query_syntax": "https://prexvo.com/tools/paye-sunset-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "lendkey",
        "splash_financial",
        "sofi",
        "credible",
        "earnest"
      ]
    },
    {
      "slug": "pslf-buyback-months-reconsideration-student-loan-calculator",
      "url": "https://prexvo.com/tools/pslf-buyback-months-reconsideration-student-loan-calculator/",
      "title": "PSLF Buyback Months Reconsideration Student Loan Calculator",
      "description": "Calculate PSLF Hold Harmless Buyback lump-sum payments under 34 CFR 685.219(g) to credit eligible deferment and forbearance months toward 120.",
      "quick_answer": "Under Title IV regulation 34 CFR 685.219 and IRC Section 108(f)(1), PSLF Buyback Months Reconsideration Student models 120 qualifying monthly payments for full-time government and 501(c)(3) nonprofit employees (minimum 30 hours weekly). Qualifying borrowers receive 100 percent tax-free principal and interest forgiveness plus PSLF Hold Harmless Buyback credit for eligible forbearance and deferment months.",
      "statutory_authority": "Higher Education Act Section 455 (20 U.S.C. 1087e); 34 CFR Part 685; 42 U.S.C. 9902(2)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 248.23,
      "inputs": {
        "agi": 65000,
        "poverty_guideline": 15650,
        "discretionary_multiplier": 2.25,
        "payment_rate": 0.1
      },
      "query_syntax": "https://prexvo.com/tools/pslf-buyback-months-reconsideration-student-loan-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": []
    },
    {
      "slug": "pslf-qualifying-payment-simulator",
      "url": "https://prexvo.com/tools/pslf-qualifying-payment-simulator/",
      "title": "PSLF Qualifying Payment & Forgiveness Calculator",
      "description": "Calculate PSLF 120 qualifying monthly payments, tax-free discharge timelines, and ECF certification progress under Title IV 34 CFR 685.219(c).",
      "quick_answer": "Under Title IV regulation 34 CFR 685.219 and IRC Section 108(f)(1), PSLF Qualifying Payment models 120 qualifying monthly payments for full-time government and 501(c)(3) nonprofit employees (minimum 30 hours weekly). Qualifying borrowers receive 100 percent tax-free principal and interest forgiveness plus PSLF Hold Harmless Buyback credit for eligible forbearance and deferment months.",
      "statutory_authority": "34 CFR 685.219; Higher Education Act Section 455(m) (20 U.S.C. 1087e(m)); 26 U.S.C. 108(f)(1)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 36.0,
      "inputs": {
        "required_payments": 120,
        "certified_payments": 84
      },
      "query_syntax": "https://prexvo.com/tools/pslf-qualifying-payment-simulator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": []
    },
    {
      "slug": "rap-payment-calculator",
      "url": "https://prexvo.com/tools/rap-payment-calculator/",
      "title": "2026 Repayment Assistance Plan (RAP) Calculator",
      "description": "Calculate RAP obligations under Title IV 34 CFR Part 685 using 225% HHS Poverty Guidelines, discretionary income caps, and forgiveness rules.",
      "quick_answer": "Under Title IV regulation 34 CFR Part 685, RAP determines monthly obligations using the 225 percent HHS Poverty Guideline exemption ($35,212.50 protected single-filer income) and a 10 percent discretionary rate. Qualifying borrowers receive a 100 percent unpaid interest subsidy and full principal forgiveness after 120 to 240 certified monthly payments.",
      "statutory_authority": "Higher Education Act Section 455 (20 U.S.C. 1087e); 34 CFR Part 685; 42 U.S.C. 9902(2)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 248.23,
      "inputs": {
        "agi": 65000,
        "poverty_guideline": 15650,
        "discretionary_multiplier": 2.25,
        "payment_rate": 0.1
      },
      "query_syntax": "https://prexvo.com/tools/rap-payment-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "splash_financial",
        "sofi",
        "credible",
        "earnest",
        "lendkey"
      ]
    },
    {
      "slug": "rap-vs-ibr-calculator",
      "url": "https://prexvo.com/tools/rap-vs-ibr-calculator/",
      "title": "RAP vs IBR Student Loan Plan Comparison Engine",
      "description": "Compare OBBBA Repayment Assistance Plan (RAP) tiered AGI payments against statutory New and Old IBR monthly caps under Title IV 34 CFR Part 685.",
      "quick_answer": "Under Title IV regulation 34 CFR Part 685, RAP Vs IBR determines monthly obligations using the 225 percent HHS Poverty Guideline exemption ($35,212.50 protected single-filer income) and a 10 percent discretionary rate. Qualifying borrowers receive a 100 percent unpaid interest subsidy and full principal forgiveness after 120 to 240 certified monthly payments.",
      "statutory_authority": "34 CFR 685.209; 34 CFR 685.221; Higher Education Act Section 493C (20 U.S.C. 1098e)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 248.23,
      "inputs": {
        "agi": 65000,
        "poverty_guideline": 15650,
        "rap_multiplier": 2.25,
        "rap_rate": 0.1
      },
      "query_syntax": "https://prexvo.com/tools/rap-vs-ibr-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "splash_financial",
        "sofi",
        "credible",
        "earnest",
        "lendkey"
      ]
    },
    {
      "slug": "save-plan-litigation-transition",
      "url": "https://prexvo.com/tools/save-plan-litigation-transition/",
      "title": "SAVE Plan Transition to RAP Repayment Calculator",
      "description": "Calculate Save Plan Litigation Transition under Title IV 34 CFR Part 685 using 225% HHS Poverty Guidelines, discretionary income caps, and forgiveness.",
      "quick_answer": "Under Title IV regulation 34 CFR Part 685, Save Plan Litigation Transition determines monthly borrower obligations using the 225 percent HHS Poverty Guideline exemption ($35,212.50 protected income for single filers) and a 10 percent discretionary rate. Qualifying borrowers receive a 100 percent unpaid interest subsidy and complete principal forgiveness after 120 to 240 certified monthly payments.",
      "statutory_authority": "34 CFR 685.209; Higher Education Act Section 455 (20 U.S.C. 1087e)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 164.9,
      "inputs": {
        "agi": 55000,
        "poverty_guideline": 15650,
        "discretionary_multiplier": 2.25,
        "rap_rate": 0.1
      },
      "query_syntax": "https://prexvo.com/tools/save-plan-litigation-transition/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": []
    },
    {
      "slug": "student-loan-forgiveness-2026",
      "url": "https://prexvo.com/tools/student-loan-forgiveness-2026/",
      "title": "Student Loan Forgiveness 2026 Calculator",
      "description": "Compare 2026 federal student loan forgiveness timelines, PSLF 120-month tax-free discharge, and post-ARPA IDR taxability under 34 CFR Part 685.",
      "quick_answer": "Under Title IV regulation 34 CFR Part 685 and IRC Section 108(f), Student Loan Forgiveness 2026 evaluates 2026 federal student loan discharge pathways across PSLF (120 months), IBR (240 to 300 months), and OBBBA RAP schedules. Public Service Loan Forgiveness remains permanently tax-free while 20-to-25-year IDR forgiveness reverts to taxable income.",
      "statutory_authority": "Higher Education Act Section 455 (20 U.S.C. 1087e); 34 CFR Part 685; 42 U.S.C. 9902(2)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 248.23,
      "inputs": {
        "agi": 65000,
        "poverty_guideline": 15650,
        "discretionary_multiplier": 2.25,
        "payment_rate": 0.1
      },
      "query_syntax": "https://prexvo.com/tools/student-loan-forgiveness-2026/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "splash_financial",
        "sofi",
        "credible",
        "earnest",
        "lendkey"
      ]
    },
    {
      "slug": "student-loan-forgiveness-tax-bomb-insolvency-calculator",
      "url": "https://prexvo.com/tools/student-loan-forgiveness-tax-bomb-insolvency-calculator/",
      "title": "Student Loan Forgiveness Tax Bomb Insolvency Calculator",
      "description": "Calculate IDR student loan forgiveness tax bomb liability and IRS Form 982 insolvency exclusion relief under IRC Section 108(a)(1)(B) in 2026.",
      "quick_answer": "Under IRC Section 108(a)(1)(B) and post-ARPA Section 108(f)(5) sunset rules, Student Loan Forgiveness Tax Bomb calculates taxable income-driven student loan discharge alongside the IRS Form 982 insolvency exclusion. Borrowers whose total liabilities exceed fair market assets immediately before forgiveness exclude discharged student debt from federal gross income.",
      "statutory_authority": "Higher Education Act Section 455 (20 U.S.C. 1087e); 34 CFR Part 685; 42 U.S.C. 9902(2)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 248.23,
      "inputs": {
        "agi": 65000,
        "poverty_guideline": 15650,
        "discretionary_multiplier": 2.25,
        "payment_rate": 0.1
      },
      "query_syntax": "https://prexvo.com/tools/student-loan-forgiveness-tax-bomb-insolvency-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "splash_financial",
        "sofi",
        "credible",
        "earnest",
        "lendkey"
      ]
    },
    {
      "slug": "student-loan-refinance-break-even-calculator",
      "url": "https://prexvo.com/tools/student-loan-refinance-break-even-calculator/",
      "title": "Student Loan Refinance Break-Even Calculator",
      "description": "Calculate student loan refinance APR savings, monthly payment reductions, and exact break-even horizons versus federal Title IV protections.",
      "quick_answer": "Under Title IV regulation 34 CFR Part 685 and Truth in Lending Act disclosures, Student Loan Refinance Break Even compares private student loan interest rate reductions against the net present value of forfeited federal benefits including 100 percent RAP unpaid interest waivers and tax-free Public Service Loan Forgiveness under 26 U.S.C. 108(f)(1).",
      "statutory_authority": "Truth in Lending Act (TILA) Regulation Z (12 CFR Part 1026); Title IV Federal Benefit Forfeiture Rules",
      "economic_dataset": "Federal Reserve H.15 Selected Interest Rates and G.19 Consumer Credit Series",
      "published_output": 990.0,
      "inputs": {
        "loan_balance": 55000,
        "current_rate": 7.0,
        "refinance_rate": 5.2
      },
      "query_syntax": "https://prexvo.com/tools/student-loan-refinance-break-even-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "earnest",
        "splash_financial",
        "sofi",
        "credible",
        "lendkey"
      ]
    },
    {
      "slug": "student-loan-repayment-calculator",
      "url": "https://prexvo.com/tools/student-loan-repayment-calculator/",
      "title": "Federal Student Loan Repayment Plan Calculator",
      "description": "Calculate Income Based under Title IV 34 CFR 685.209 using 150% HHS Poverty Guidelines ($23,475 single exemption), hardship caps, and forgiveness rules.",
      "quick_answer": "Under Title IV regulation 34 CFR 685.209 and 20 U.S.C. 1098e, Income Based Student Loan Repayment determines monthly obligations using the 150 percent HHS Poverty Guideline exemption ($23,475 protected single-filer income) and a 10 to 15 percent discretionary rate capped at the 10-year Standard Repayment ceiling, with principal forgiveness after 240 to 300 qualifying payments.",
      "statutory_authority": "Higher Education Act Section 455 (20 U.S.C. 1087e); 34 CFR Part 685; 42 U.S.C. 9902(2)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 248.23,
      "inputs": {
        "agi": 65000,
        "poverty_guideline": 15650,
        "discretionary_multiplier": 2.25,
        "payment_rate": 0.1
      },
      "query_syntax": "https://prexvo.com/tools/student-loan-repayment-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "sofi",
        "splash_financial",
        "credible",
        "earnest",
        "lendkey"
      ]
    },
    {
      "slug": "tiered-standard-calculator",
      "url": "https://prexvo.com/tools/tiered-standard-calculator/",
      "title": "Tiered Standard Repayment Plan Amortization Model",
      "description": "Calculate Tiered Standard student loan monthly payments under 34 CFR 685.208 across fixed 10, 12, 15, 20, and 30-year balance schedules.",
      "quick_answer": "Under Higher Education Act Section 455(d) and 34 CFR 685.208, Tiered Standard establishes fixed monthly amortization schedules scaled across 10, 12, 15, 20, and 30 years (120 to 360 monthly payments) by total Title IV loan balance, calculating level principal and interest obligations without annual income recertification.",
      "statutory_authority": "34 CFR 685.208; Higher Education Act Section 428C (20 U.S.C. 1078-3)",
      "economic_dataset": "U.S. Department of Education College Scorecard and BLS OEWS wage statistics series (FRED)",
      "published_output": 379.24,
      "inputs": {
        "loan_balance": 60000,
        "interest_rate": 0.065,
        "term_months": 360
      },
      "query_syntax": "https://prexvo.com/tools/tiered-standard-calculator/?agi={agi}&debt={debt}&family={size}&status={status}",
      "inLanguage": "en-US",
      "dateModified": "2026-10-27",
      "offers": {
        "@type": "Offer",
        "price": "0",
        "priceCurrency": "USD",
        "availability": "https://schema.org/InStock"
      },
      "complementary_tools": [
        {
          "slug": "grad-plus-borrowing-cap-calculator",
          "title": "Grad PLUS Sunset & Borrowing Cap Calculator",
          "url": "https://prexvo.com/tools/grad-plus-borrowing-cap-calculator/"
        },
        {
          "slug": "ibr-hardship-cap-calculator",
          "title": "IBR 10-Year Standard Payment Cap Calculator",
          "url": "https://prexvo.com/tools/ibr-hardship-cap-calculator/"
        }
      ],
      "verified_partners": [
        "lendkey",
        "splash_financial",
        "sofi",
        "credible",
        "earnest"
      ]
    }
  ]
}