In July 2026 the federal repayment system was rebuilt from scratch. SAVE ended, new plans arrived, and forty million borrowers were told to make a high-stakes financial decision using a 90-minute servicer hold queue and conflicting Reddit threads.
Reclassify exists because that decision is answerable. Plan rules are published. The math is deterministic. What's been missing is a tool that runs the numbers for your situation — every plan you actually qualify for, simulated month by month, ranked against what you care about — and then tells you exactly what to file and where.
We hold ourselves to three rules: every plan parameter is cited to an official source and stamped with when we verified it; AI explains but never calculates; and we tell you plainly when something is an estimate, a gray area, or a question for your servicer. No dark patterns, no selling your data, no pretending to be your financial advisor.
Reclassify is an independent product and is not affiliated with the U.S. Department of Education or any loan servicer.