SAVE Is Over: RAP or IBR? Pick the Right Plan in 30 Days

SAVE is gone. Compare RAP and IBR with your own numbers and pick the right plan before your deadline.

If you were on SAVE, you now have to choose a new repayment plan. This workbook explains RAP and IBR in plain English, walks through real payment math for singles and families, and gives you a decision flowchart, PSLF guidance and scripts for your servicer.

Inside you'll get:

- What happened to SAVE and what you have to do now

- How RAP and IBR payments are calculated, with worked examples

- A RAP vs. IBR decision flowchart

- PSLF and forgiveness paths

- Scripts for your servicer and how to avoid paid 'relief' scams

- A 30-day action plan

Who it's for: Federal student loan borrowers, Parent PLUS borrowers and people working toward PSLF.

What you get: a 44-page PDF workbook with 12 printable worksheets. Instant download. Read it on any device, or print the worksheets.

Facts checked as of September 30, 2026. Educational only. Not financial, legal or tax advice. Not affiliated with any servicer.

30-day money-back guarantee.