PSLF Qualifying Payment & Forgiveness Horizon Simulator
Simulate Public Service Loan Forgiveness 120-payment progression, employer certification, and tax-free discharge.
Federal Student Loan Repayment & RAP Comparison Calculator
Deterministic Title IV repayment model comparing RAP, IBR, PAYE, ICR, and Tiered Standard.
Scenario Switchers:Instant Sub-100ms Hydration
Borrower Inputs
Aggregate outstanding principal balance across Direct Subsidized, Unsubsidized, and PLUS loans.
Line 11 on IRS Form 1040 representing annual household taxable earnings.
Statutory interest rate applicable to Title IV Direct Loans.
Borrower plus spouse and qualifying legal dependents.
HHS poverty baselines vary between Contiguous 48, Alaska, and Hawaii.
Monthly Repayment Obligations
RAP Interest Subsidy Visual Meter100% Department of Education Subsidy
Borrower Payment: $0.00
100% Dept of Ed Subsidy: $0.00
Monthly Accrued Interest: $0.00
RAP Monthly Payment
$0.00
IBR Monthly Payment (Capped)
$0.00
PAYE Monthly Payment
$0.00
ICR Monthly Payment
$0.00
Tiered Standard Monthly Payment
$0.00
Standard 10-Year Payment (Cap Baseline)
$0.00
RAP Monthly Interest Subsidy
$0.00
How Do Real Search Scenarios Compare Under Statutory Rules?
Princeton GEO Compliant
How does RAP 100% unpaid interest subsidy compare to standard IBR protection?
Under Title IV 34 CFR Part 685, RAP waives 100% of unpaid monthly interest whenever borrower obligations fall below monthly accrual, completely eliminating negative amortization. In contrast, standard IBR provides no ongoing interest subsidy on unsubsidized balances after 3 years, allowing unpaid interest to capitalize or accumulate into the principal balance.
How do 2026 PAYE sunset provisions impact existing enrolled borrowers?
Under 34 CFR 685.221 and official 2026 Title IV regulations, the Pay As You Earn (PAYE) plan is sunset for new enrollments starting July 1, 2026. Borrowers actively enrolled prior to the statutory deadline maintain grandfathered participation with their 20-year forgiveness timeline and 10-year Standard Repayment cap preserved.
When does the statutory 10-year Standard Repayment cap protect high earners under IBR?
Under Higher Education Act Section 493C(b)(1), IBR monthly payments are strictly capped at the 10-year Standard schedule calculated at repayment entry. Even if household AGI increases significantly, the required monthly payment cannot exceed this statutory ceiling. Under RAP, payments remain uncapped at 10% of discretionary income.
Key Statutory Rule Summary (Title IV)
Under Title IV 34 CFR Part 685, the Repayment Assistance Plan (RAP) establishes monthly obligations at ten percent of discretionary income exceeding 225 percent of the HHS Poverty Guideline. RAP automatically waives all unpaid monthly interest through statutory subsidies, preventing negative amortization across undergraduate and graduate balances.
Title IV Statutory Framework Overview
Federal student loan obligations are governed by Title IV of the Higher Education Act of 1965, codified at 34 CFR Part 685. Income-driven repayment programs calculate monthly commitments based upon adjusted gross income and family household size rather than outstanding loan balance.
By integrating annual Department of Health and Human Services Poverty Guidelines across all fifty states and territories, our simulation engine ensures deterministic calculation precision across every repayment option.
Statutory Authority & Provenance Citations
Dataset 1: US Department of Education Title IV Repayment Regulations (34 CFR Part 685)
Dataset 2: US Department of Health and Human Services Annual Poverty Guidelines (42 U.S.C. 9902(2))
Cryptographic SHA-256 provenance hashes verify mathematical fidelity across all federal calculations.
Important Statutory Warning: Refinancing federal student loans permanently eliminates federal protections, including income-driven repayment (IDR), Public Service Loan Forgiveness (PSLF), federal interest subsidies, mandatory deferment, and forbearance options.
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Title IV Statutory Framework Overview
Federal student loan obligations are governed by Title IV of the Higher Education Act of 1965, codified at 34 CFR Part 685. Income-driven repayment programs calculate monthly commitments based upon adjusted gross income and family household size rather than outstanding loan balance.
By integrating annual Department of Health and Human Services Poverty Guidelines across all fifty states and territories, our simulation engine ensures deterministic calculation precision across every repayment option.