Document pack
Student Loan Repayment Plan Switcher: Compare RAP, Standard and Tiered Standard and Meet Your Deadline
Compare the 2026 repayment plans with your own numbers before you switch.
$19 one time · Word and PDF · download link by email
Who it is for
Federal student loan borrowers leaving SAVE, PAYE or ICR, and anyone choosing a plan for loans made from July 1, 2026.
Why it is different
- RAP formula from StudentAid.gov, worked out line by line.
- Real Excel formulas, including the interest waiver and $50 principal match.
- Plans we couldn't confirm a formula for are left out, not guessed.
What is inside
- Plan rules at a glance. Every plan's payment, term and who can use it, with the RAP table.
- Plan comparison workbook. Excel workbook for up to six loans and five years of income, with a paper record sheet.
- Deadline checklist. SAVE 90-day notices, the July 1, 2028 PAYE and ICR end date, and yearly steps.
- Document checklist. What to have ready before you apply on StudentAid.gov.
A look inside
The first pages, as you will get them
Get it
Student Loan Repayment Plan Switcher
Want every toolkit? The toolkit membership includes all of them, with a lower rate if you pay yearly.
Delivered as a zip of editable Word files and printable PDFs. For one business, your own use. General information and templates, not legal, tax or accounting advice. General information and organizers, not financial, tax or legal advice. It doesn't decide what you qualify for. Not affiliated with the Department of Education. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right.
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