NEW
OBBB-compliant, Repayment Assistance Plan (RAP) is live in the simulator
Know your number
before your first bill.
The new Repayment Assistance Plan changes what millions of borrowers pay. Finology Software gives you a free account to see all your loans in one place, then find an advisor who specializes in student debt to build the right repayment plan.
What changed on July 1, 2026
The new Repayment Assistance Plan (RAP) introduces payments of 1–10% of income, a $10 minimum, and forgiveness after 30 years. If you’re on SAVE or PAYE today, your payment, and your best strategy, may change. Most borrowers don’t know their new number yet.
From confused to confident in four steps.
No spreadsheets. No guesswork. Just a clear picture and a path forward.
Create your free account
Sign up in seconds. No credit card, no commitment, the core experience is genuinely free.
Add your loans
Upload your federal loan file (MyStudentData.txt) and we import everything automatically. No manual entry.
See your options
View every loan in one dashboard. For private loans, model payoff and a “what if you refinanced?” comparison.
Find an advisor
Federal strategy is high-stakes. Search our advisor directory and pick a specialist who reaches out to you.
Clarity first. Then a plan.
Everything you need to understand your loans, and a specialist for when the stakes are high.
All your loans, one place
Federal and private, every balance, rate, and monthly payment in a single clear dashboard. Import once, no manual entry, no juggling servicer logins.
Refinance savings estimate
For private loans, see your payoff, total interest, and a side-by-side “what if you refinanced?” comparison with potential lifetime savings.
Find an advisor
Federal strategy is high-stakes. Browse advisors who specialize in student loans and reach out to the one that fits.
A specialist who actually does this.
Browse advisors who work on student loans, then reach out to the one that fits. Free to browse, free to connect.
See what a refinance could really do.
For private loans, model a new rate and term against your current loan, and watch the lifetime difference. Estimates only; your actual rate depends on the lender.
Have federal loans? Most borrowers should not refinance them.
Refinancing turns a federal loan into a private one, for good. You give up income-driven plans like RAP and IBR, Public Service Loan Forgiveness, forgiveness at the end of a plan, and federal options for hard years like deferment and forbearance. Lenders advertise the lower rate; they don’t price what you give up. Run your federal options first. This calculator is for loans that are already private. Read why, with the numbers
- ✓Side-by-side monthly payment
- ✓Total interest over the life of the loan
- ✓Estimated lifetime savings
It’s free. All of it.
The full repayment planner, every federal plan comparison, and the advisor directory cost nothing. There is no paid borrower plan and nothing to upgrade to.
- ✓See all your loans in one place (manual entry or NSLDS upload)
- ✓Compare RAP, IBR, PAYE, ICR and Standard on your own numbers
- ✓Forgiveness timing, and the tax that can come with it
- ✓Private-loan payoff & refinance comparison
- ✓Free access to the advisor directory
Why not just ask ChatGPT?
You can, and millions of borrowers do. Just know the difference between a generated answer and a computed one.
Chatbots generate
AI predicts a plausible answer from training data. It can describe plans that no longer exist and quote last year’s numbers with total confidence, and its own terms of use say not to rely on it for professional advice.
We compute
Your numbers here come from the published federal formulas, current with the July 1, 2026 rules. Same inputs, same answer, every time. Nothing is generated, so everything can be checked.
A human stands behind it
A chatbot is not licensed and owes you nothing. The advisors in our directory specialize in student loans and are accountable for the plan they build with you.
Ask Claude or ChatGPT, with Finology inside.
Add Finology Software to the assistant you already use. Your questions get computed answers from the same verified engine advisors use, not generated ones.
Add it
Open Finology Software in ChatGPT or Claude and add it in one click.
Create a free login
When it asks you to sign in, choose Get a free login. No card. We don’t keep the figures in your questions.
Ask 5 questions
Each new calculation uses one of your 5 free questions. There is no daily limit.
Make your 5 questions count
A few minutes of prep turns 5 questions into a full picture.
- Have your numbers ready: total federal balance and average interest rate (on studentaid.gov), your AGI from your last tax return, your filing status and household size, and your spouse’s income if you’re married.
- Put everything in one question. A question with an input missing can spend a turn just asking for it.
- Start wide. One comparison question returns every plan you can actually elect, with the payment, the total cost, what’s forgiven and the tax at forgiveness.
- Married? Spend your second on filing status. Filing jointly or separately can change your payment by hundreds of dollars a month.
- Follow-ups about an answer you already have are usually free. Asking what forgiveness means or why a plan is excluded doesn’t run a new calculation; only a new calculation counts.
Copy one to start (in ChatGPT, begin with @Finology Software):
What comes next
You have your answer. Here’s how to keep it current.
On your own
Rerun your comparison when you recertify your income each year, or when your income, family or filing status changes. Keep your numbers handy and it takes one question.
With an advisor
If you’d rather have someone track it with you year to year, a student loan advisor in our directory can keep your plan on Finology Software and recheck it for you.
Find a student loan advisor →Encrypted in transit and at rest
Your loan details are encrypted whenever they are sent or stored.
We never sell your data
No ads, no data brokers. Ever.
You’re in control
Delete your account and data any time.
Independent
Not affiliated with the U.S. Dept. of Education.
Know your number before your first bill.
Federal repayment rules changed on July 1, 2026. Create your free account today and walk in prepared.
Free to start · No credit card