# StudentLoan.help

> Compare RAP, IBR, Tiered Standard and Standard payments on your own numbers, with PSLF timing and the real cost of refinancing.

StudentLoan.help is an independent website. Contact: the form at https://studentloan.help/contact/.

MCP server (for AI assistants): https://studentloan.help/mcp (Streamable HTTP, free, read-only, no key). Tools: compare_repayment_plans, compare_refinance_offer, get_plan_rules. Docs: https://studentloan.help/developers/.

## Pages
- [Which repayment plan costs you the least?](https://studentloan.help/): Compare RAP, IBR, Tiered Standard and Standard payments on your own loans and income, see when PSLF would forgive the rest, and what refinancing costs you.
- [About StudentLoan.help](https://studentloan.help/about/): Who publishes StudentLoan.help, where the calculator's rules come from, how the site makes money, and how to report a mistake.
- [Contact StudentLoan.help](https://studentloan.help/contact/): Send StudentLoan.help a question or request. We read every message and reply by email.
- [Student loan calculator MCP server](https://studentloan.help/developers/): Connect Claude, ChatGPT or another AI assistant to the repayment calculator: RAP, IBR, Standard, Tiered Standard, PSLF and refinance estimates. Free, no key.
- [Ask a question about your student loan result](https://studentloan.help/get-help/): Send your calculator result and your question. A person replies by email. Free, not shared with anyone, and we never ask for your FSA ID or account numbers.
- [Guides from StudentLoan.help](https://studentloan.help/guides/): All guides from StudentLoan.help, newest first. An independent repayment calculator for federal student loans.
- [How the calculator works](https://studentloan.help/how-the-calculator-works/): Every formula the calculator uses for RAP, IBR, Tiered Standard, Standard, PSLF and refinancing, with the statute or regulation behind each one.
- [Privacy policy](https://studentloan.help/privacy/): What StudentLoan.help collects when you visit or contact us, why, who it is shared with, and how to reach us about it.
- [Terms of use](https://studentloan.help/terms/): The terms that apply when you use StudentLoan.help, including what the information here is and is not.

## Guides
- [Consolidating federal loans under the 2026 rules](https://studentloan.help/guides/consolidation/): A consolidation loan made on or after July 1, 2026 is a new loan and closes IBR for good. When it still helps, and what it does to your rate and PSLF count.
- [Getting out of student loan default in 2026](https://studentloan.help/guides/default-and-rehabilitation/): How default works, what collections are paused right now, and how rehabilitation and consolidation get a federal loan back in good standing.
- [Leaving the SAVE plan](https://studentloan.help/guides/leaving-save/): SAVE is over. When your 90-day clock starts, what happens if you don't choose, and how RAP, IBR and Standard compare for former SAVE borrowers.
- [What Parent PLUS borrowers can still do](https://studentloan.help/guides/parent-plus-options/): Parent PLUS loans can't use RAP. Which plans parents keep, the one-payment ICR step that keeps IBR open until 2028, the new borrowing caps, and discharge rules.
- [PSLF employer questions, answered](https://studentloan.help/guides/pslf-employer-questions/): Which employers count for PSLF, what full time means, contractors and second jobs, the vacated 2025 employer rule, and which plans count now.
- [What refinancing federal loans trades away](https://studentloan.help/guides/refinancing-federal-loans/): When refinancing student loans into a private loan saves money, when it doesn't, and the federal protections you give up for good. With a worked example.
- [The Repayment Assistance Plan, line by line](https://studentloan.help/guides/repayment-assistance-plan/): How RAP payments are calculated from your AGI and dependents, what happens to unpaid interest, the $50 principal match, and when the balance is forgiven.
- [Is that student loan relief company a scam?](https://studentloan.help/guides/student-loan-relief-scams/): Everything these companies sell is free from the Department of Education. The warning signs, recent FTC cases, and what to do if you already signed up or paid.