SAVE Repayment Strategy: Extra Payments are a Mistake if you get the Interest Subsidy
The SAVE Interest Subsidy is a great resource for borrowers, but if you make payments larger than the minimum, you reduce or eliminate the benefit.
Latest Posts in Repayment Plans
Student loan repayment plans are in flux. With GOP reform proposals, SAVE plan lawsuits, and shifting IDR options, borrowers must adapt quickly. This section breaks down the latest changes and how to choose the right plan in 2025.
SAVE Subsidy Calculator
Enrolling in the new SAVE plan can mean extra help from the government on your student loan interest.
How Does the SAVE Interest Subsidy Work?
The SAVE interest subsidy makes it the best repayment plan for borrowers struggling to keep up with their federal student loans.
Can I pay more than the minimum on my IBR, PAYE or SAVE payment plan?
In some cases it is smart to make extra student loan payments. Other times, paying more than the minimum is a waste of money.
SAVE Plan Calculator: Estimate Your Student Loan (Suspended)
The new SAVE plan will offer the lowest monthly payment for the vast majority of borrowers.
Student Loan Discretionary Income Calculator
If you are thinking about IBR, PAYE, REPAYE, or the new SAVE plan, learning how to calculate discretionary income can help save money on student loan payments.
This Frequent Mistake by Recent Graduates Just Got More Expensive
Too many graduates regret their initial repayment choices. Learn how opting for SAVE could make all the difference.
PAYE vs IBR After SAVE: How to Choose Your Next Student Loan Plan
The SAVE repayment plan has been officially vacated, and borrowers must transition to a new repayment option. For most, the choice is now a three-way comparison between PAYE, IBR, and the new RAP plan—income-driven options that differ significantly in flexibility, eligibility, and long-term stability. This guide explains how these plans function following the March 2026 court ruling, how the July 2026 launch of the RAP plan affects your choices, and how to select a path that protects your forgiveness progress without guessing your future income.
The Government is Paying Student Loan Interest for Millions of Borrowers: Learn How to Qualify
A small change to the IDR payment options has created an opportunity for borrowers to get student loan interest relief.
