Tell us about your loans, income, career, and goals. Reclassify analyzes every option you actually qualify for — RAP, IBR, Tiered Standard, PSLF, paying it down faster — and shows you the strategy that fits, with the math to prove it.
Free to start · Built on current federal rules · Estimates, not advice · Not a government site.
As of July 2026, SAVE is finished, two new plans exist, and picking wrong can cost thousands. Three ways people get hurt:
Staying on (or sliding into) a standard plan when an income-driven plan would cut the payment in half — or vice versa.
PSLF, IDR forgiveness, and profession programs go unclaimed because nobody checked eligibility against the new rules.
The servicer hold time is 90 minutes and Reddit gives ten conflicting answers. People pick whatever sounds safest.
Loans (or import your StudentAid.gov file), income, career, family, and what matters most to you — lowest payment, lowest lifetime cost, fastest payoff, or maximum forgiveness.
A deterministic calculation engine — not a chatbot guessing — simulates each eligible strategy month by month under current federal rules, with citations.
A ranked recommendation with the trade-offs in plain English, plus a step-by-step action plan: what to file, where, and by when. We track your progress and re-check when life changes.
Every plan parameter is versioned and cited to official sources, stamped with when we last verified it.
Dollar figures and eligibility come from tested calculations. AI only translates them into plain English for your situation.
We always point you to StudentAid.gov and your servicer to confirm before you act.
Encrypted, never sold, and you can export or delete everything, any time.
If you were on SAVE, your window to choose is closing. See your ranked options before your servicer picks for you.
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