Kaplan Law Firm · PSLF Estimator

Estimate your PSLF savings in minutes.

Compare projected income-driven repayment costs, remaining Public Service Loan Forgiveness payments, standard repayment, and potential forgiveness value — in one modern, embeddable calculator.

Estimated max PSLF savings

0 qualifying monthly payments estimated remaining.

$0Lowest first-year payment

$0Annual after-tax value

Your inputs

Family size

Year you started earning PSLF credit

Used to estimate how many of the 120 required payments remain.

Your federal student loan balance

Your AGI / current taxable income

Annual income growth forecast

Average federal loan interest rate

Married? Filing separately?

Spouse federal student loan balance

Spouse AGI / current taxable income

Borrowed before July 1, 2014? Borrowed before Oct. 1, 2007?

Projected results

Remaining PSLF time0 years

Total under best IDR path$0

Standard repayment remaining$0

RAP-style projected path

Estimated remaining PSLF payments under the new RAP-style percentage formula.

Pre-2023 IDR path

Estimated remaining payments using the lowest available PAYE / IBR-style payment.

Year	RAP	PAYE	New IBR	Old IBR	Standard 10-year	Lowest

Want a human review? This calculator can estimate directionally. A real PSLF strategy depends on your loan type, servicer records, payment count, employment certification, tax filing, and current Department of Education rules. Call Kaplan(312) 294-8989

Prefer typing it out? Send your details here and Kaplan will receive the calculator summary with your message.

Educational estimate only. This widget does not provide legal, tax, or financial advice and does not guarantee PSLF eligibility, payment count, forgiveness, or Department of Education outcomes. Formulas are simplified for public-facing estimation and should be reviewed before production use.

Kaplan Law Firm · Parent PLUS Estimator

Compare Parent PLUS repayment paths.

Estimate monthly payments, projected total cost, forgiveness/tax exposure, refinancing alternatives, and PSLF-style nonprofit scenarios for Parent PLUS borrowers.

Estimated lowest total cost

— appears lowest based on these assumptions.

$0First-year payment

$0Savings vs standard

Parent PLUS inputs

Family size

Year income-driven repayment starts

Use today’s year if payments have not started yet.

Parent PLUS / consolidated federal balance

Parent AGI / current taxable income

Average federal loan interest rate

Annual income growth forecast

Estimated tax rate on forgiven debt

20%

Work full-time for government/nonprofit? Double consolidation available?

Married? Filing separately?

Spouse AGI / current taxable income

Spouse federal student loan balance

Refinance interest rate assumption

Refinance term

Projected Parent PLUS results

ICR total cost$0

Double consolidation total$0

Standard 10-year total$0

ICR 25-year path

Estimated balance forgiven before tax estimate.

Refinance alternative

Estimated total principal and interest over selected refi term.

Plan	First monthly payment	Years	Total payments	Forgiven balance	Tax estimate	Total cost

Parent PLUS strategy is weirdly complicated. Consolidation timing, ICR eligibility, double consolidation, PSLF, filing status, and tax exposure can change the answer dramatically. Call Kaplan(312) 294-8989

Prefer typing it out? Send your details here and Kaplan will receive the calculator summary with your message.

Educational estimate only. Parent PLUS and double-consolidation rules are complex and time-sensitive. This simplified calculator should be reviewed before production use.

Kaplan Law Firm · IBR / IDR Estimator

Calculate IBR and IDR payments.

Compare RAP, PAYE/New IBR, Old IBR, standard repayment, and a simple refinance alternative using income, family size, marital status, and federal student loan balance.

Lowest estimated monthly payment

— is currently the lowest displayed option.

$0Discretionary income

$0Standard payment

Monthly payment comparison

RAP estimate$0

New IBR / PAYE$0

Old IBR$0

Plan	Monthly payment	Formula used	Eligibility note

IDR rules are changing fast. This calculator gives a directional comparison. Actual eligibility depends on loan type, borrower dates, filing status, and current Department of Education rules. Call Kaplan(312) 294-8989

Prefer typing it out? Send your details here and Kaplan will receive the calculator summary with your message.

Educational estimate only. This simplified IBR/IDR calculator does not provide legal, tax, or financial advice and should be reviewed before production use.

Kaplan Law Firm · RAP Estimator

Estimate the new RAP payment.

RAP is enacted but future-effective. It becomes available beginning July 1, 2026, so this tab models the statutory formula for planning rather than a currently selectable plan.

Estimated RAP monthly payment

— AGI bracket after dependent offset.

$0First-year payment total

30 yearsRAP cancellation horizon

RAP planning estimate

Base payment before dependents$0

Dependent offset$0

Estimated unpaid interest help$0

Rule	Estimate	Planning note

RAP starts July 1, 2026. This tab uses the enacted formula, but servicing details can still affect a real borrower’s outcome. Call Kaplan(312) 294-8989

Prefer typing it out? Send your details here and Kaplan will receive the calculator summary with your message.

Educational estimate only. RAP is enacted but not available until July 1, 2026. This widget does not determine eligibility or provide legal, tax, or financial advice.

Kaplan Law Firm · Standard Plan Estimator

Compare standard repayment terms.

Estimate current 10-year standard repayment and the post-July 1, 2026 tiered Standard plan based on loan balance.

Estimated standard monthly payment

— repayment term selected by the era setting.

$0Total paid

$0Total interest

Standard repayment comparison

Current 10-year standard$0

Future tiered standard$0

Monthly difference$0

Standard plan	Term	Monthly payment	Total paid	Total interest

Want a standard repayment review? The standard plan can look simple, but the right choice depends on borrower dates, loan balance, eligibility for income-driven plans, and whether forgiveness options are still on the table. Call Kaplan(312) 294-8989

Prefer typing it out? Send your details here and Kaplan will receive the calculator summary with your message.

Educational estimate only. Post-July 1, 2026 tiered Standard terms are based on balance brackets and should be reviewed against final Department of Education implementation before launch.

Kaplan Law Firm · Private Offer Compare

Compare a private loan offer.

Estimate what changes if a borrower replaces a federal repayment path or existing private loan with a private refinance offer.

Estimated total-cost difference

— appears lower before non-dollar federal protections.

$0Monthly payment change

$0Federal benefit value at risk

Private offer comparison

Private offer payment$0

Current path total$0

Private offer total$0

Path	Monthly payment	Term	Total paid	Federal benefits	Modeled total

Do not compare only the lower payment. Refinancing federal loans into private loans can permanently remove IDR, PSLF, federal deferment/forbearance, and future federal relief options. Call Kaplan(312) 294-8989

Prefer typing it out? Send your details here and Kaplan will receive the calculator summary with your message.

Educational estimate only. Private refinancing can permanently remove federal student loan protections. Kaplan should review the borrower’s actual loan type, PSLF/IDR status, servicer history, and offer terms before a decision.

Estimate your PSLF savings in minutes.

Your inputs

Projected results

RAP-style projected path

Pre-2023 IDR path

Compare Parent PLUS repayment paths.

Parent PLUS inputs

Projected Parent PLUS results

ICR 25-year path

Refinance alternative

Calculate IBR and IDR payments.

IBR / IDR inputs

Monthly payment comparison

Estimate the new RAP payment.

RAP inputs

RAP planning estimate

Compare standard repayment terms.

Standard inputs

Standard repayment comparison

Compare a private loan offer.

Offer inputs

Private offer comparison