LEVEL 100 · PRE-FLIGHT
Student Loan Repayment Optimizer
Compare aggressive federal payoff, private refinancing, and a forgiveness path without pretending those routes carry equal risk.
Rules checked in 2026. Federal repayment and forgiveness rules can change. Refinancing federal loans into a private loan permanently gives up federal protections and forgiveness access. Enter 0% when the modeled forgiveness is federally tax-free; other forgiveness may be taxable. Income-driven payments may rise, and this simplified model excludes changing payment formulas, interest subsidies, capitalization, state tax, and employer assistance. Verify the live options at StudentAid.gov.
MODELED RESULT—
OPTIONAL NEXT TESTS