FAQ — Reclassify · Reclassify

→Is Reclassify affiliated with the government or my servicer?

No. Reclassify is an independent tool. We link you to official StudentAid.gov pages to take action, and we never ask for your FSA ID or servicer login.

→What does it cost?

The core analysis — loans, profile, ranked strategy comparison, and action plan — is free. A Premium tier ($14.99/mo or $99/yr) with ongoing monitoring and alerts is coming; joining the waitlist locks the launch price.

→What happened to SAVE? Do I really have a deadline?

The SAVE plan was vacated by a federal court and ended as of July 2026. Servicers are sending notices giving former SAVE borrowers a window (roughly 90 days from notice) to choose a new plan — if you don't choose, you're moved to the standard plan by default. That default is exactly what Reclassify helps you avoid picking blindly.

→Which repayment plans do you analyze?

Every federal plan currently accepting enrollments: the Tiered Standard plan, Income-Based Repayment (IBR), and the Repayment Assistance Plan (RAP) — plus an accelerated-payoff strategy and, where relevant, staying on your current plan. If you work in public service, we overlay PSLF on every eligible plan.

→How do I get my loans in without typing them all?

Log in at StudentAid.gov, download your "My Aid Data" file (MyStudentData.txt), and drop it into Reclassify. Every federal loan imports at once. Private loans can be added manually.

→Where do your numbers come from?

A deterministic calculation engine simulates each plan month by month under current federal rules. Every plan parameter is versioned and cited to an official source (HHS, Congressional Research Service, StudentAid.gov) with the date we last verified it. AI writes the plain-English explanation but never computes a number.

→Is this financial advice?

No. Reclassify produces educational estimates under current published rules. Your servicer's numbers are the official ones, and we always point you to StudentAid.gov to confirm before acting. For personal advice, consult a licensed financial professional.

→What about my data?

Your data is encrypted, used only to run your analysis, and never sold. Row-level security means your records are readable by your account alone. You can delete your account and data at any time.

→Do you handle private student loans?

You can track them and include them in payoff strategies like the avalanche, but income-driven plans, forgiveness, and PSLF are federal-only — that's where the analysis focuses.

→I have Parent PLUS loans. Does this work for me?

Partially, and honestly: Parent PLUS access to income-driven repayment is now heavily restricted, and Reclassify flags this rather than pretending otherwise. You'll still see the strategies you do qualify for.