RepayRight
Plug in your loans and income and RepayRight simulates every federal repayment and forgiveness scenario to recommend the cheapest path — then tracks your qualifying payments and warns you before default risk hits.
Federal student loan borrowers confused by IBR vs ICR vs the post-SAVE landscape, especially those already in or near default with $300–500 monthly payments they can't afford
- Plan simulator: total cost over 5/10/20/25 years under IBR, ICR, PAYE, and the new SAVE replacement
- Forgiveness tracker: counts qualifying payments toward PSLF, IDR forgiveness, and TPD with projected timeline
- Default risk monitor with 30/60/90-day alerts before delinquency, garnishment, or credit damage
- Servicer action kit: pre-written letters for forbearance, consolidation, appeals, and complaint escalation
The SAVE plan ended July 1, 2026, one in five federal borrowers is already in default, $233B is delinquent, and borrowers have 90 days to pick a new plan — there is no personalized guidance at the scale of the crisis.
SAVE plan ending July 1 2026 affects ~7M enrolled borrowers who must pick a new plan within 90 days; widespread media coverage (CNBC, UPI, NCLC) and Google Trends 1000+ confirm acute, time-boxed demand.Student loan borrower options as SAVE forbearance ends - CNBC ↗The SAVE Plan is Ending: What Borrowers in SAVE Need to Know ↗
The free-calculator space is saturated — IBR Calculator (100K+ users), AttendingFi, StudLoanCalc, The College Investor, StudentCalc, EDCAP, and the gov't Loan Simulator all already compare IBR/ICR/RAP/PSLF plans; no clear paid consumer subscription appears to occupy the 'tracking + default warnings' niche but adjacent solutions are abundant.IBR Calculator 2026 | Student Loan Payment Estimator ↗Student Loan Calculator & Optimizer (2026) | AttendingFi ↗
Web search returned no paid subscription apps in this space; the dominant competitors are free (gov't Loan Simulator, multiple free calculators with 100K+ users), and the target demographic (borrowers defaulting on $300-500 payments) has low ability/willingness to pay; the unit economics for a consumer subscription look weak without a B2B/brokerage angle.StudLoanCalc — Free Student Loan Calculator ↗IBR Calculator 2026 | Student Loan Payment Estimator ↗
Acute 90-day SAVE-transition spike will fade by late 2026, but ongoing IDR-vs-RAP-vs-PSLF confusion, recurring federal policy churn, and persistent default risk sustain a multi-year need — though the addressable urgency shrinks materially after the transition window.Student loan borrower options as SAVE forbearance ends - CNBC ↗
Repayment simulation is trivial (multiple reference implementations exist), but ongoing payment tracking and default-risk warning require NSLDS/servicer data access which consumer apps lack — would force user self-reporting or fragile PDF scraping, limiting real-time accuracy.