SAVE is ending — choose your next plan with real numbers

Your PSLF count is only as good as your proof.

LoanPilot logs every qualifying payment with evidence, flags the moment your servicer's count drifts from yours, and exports a dispute-ready summary — and, for free, compares your real monthly payment under RAP, IBR, and the Standard plans from the text of the law before you leave SAVE.

On the App Store for iPhone. Free 5-plan comparison; the audit tracker is $49.99/year after a 7-day free trial, or $9.99/month.

Why trust these numbers?

• Statute-derived. Every formula comes from Public Law 119-21 and the Higher Education Act — bracket boundaries, the $50 principal match, the interest waiver — and is cross-checked to the cent against three independent calculators. See exactly how we compute.
• Your data stays on your iPhone. No account, no cloud, no tracking. One anonymous check tells the app when repayment rules change — that's the only network call it makes.
• PSLF audit trail. Log qualifying payments, flag discrepancies against your servicer's count, attach evidence, and export a dispute-ready report.

Some moves can't be undone. Guessing is expensive.

Once SAVE's forbearance winds down, you pick a new plan or get assigned one, and the differences compound over decades: interest waivers, forgiveness clocks, tax treatment. Months on RAP don't count toward IBR's forgiveness clock, and a new federal loan or a consolidation made on or after July 1, 2026 limits you to RAP or Tiered Standard for good. LoanPilot shows the full 30-year picture for each plan side by side, in dollars, before you sign anything.

Guides

• SAVE is ending: your five options, in real dollars
• Moved to the Standard plan after SAVE? You can still switch
• PSLF count dropped or looks wrong? What to do now
• How to dispute your PSLF count: what to include

LoanPilot provides estimates for education, not financial advice. Confirm your numbers with your loan servicer before changing plans.
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