Plan comparison

Compare the details that change the decision.

There is no one-size-fits-all “best plan.” Here is what the active, source-linked 90-day transition rule says—and where loan-specific information still matters.

Notice-window rule 2026-09-29.1 verified

SAVE transition

The active servicer notice rule models a 90-calendar-day window from the notice date. The individual transition notice controls the actual deadline if different.

RepayPilot does not calculate a SAVE monthly payment or infer eligibility for a replacement plan.

Loan-specific routing varies

Standard or Tiered Standard

The active transition record describes a possible outcome: automatic placement into Standard or Tiered Standard depending on applicable loan/disbursement rules.

The current rule set does not contain a verified payment schedule, eligibility decision, or cost comparison for either plan. Ask your servicer which option applies to your specific loans.

What to compare with your servicer

  • The plan available for each loan in your account.
  • Your monthly payment, due date, and repayment term under each available option.
  • Whether you need to complete an application or provide documentation.
  • Any effect on forgiveness or qualifying-payment counts, verified against current program guidance.

This page compares verified notice mechanics only. It does not compare costs, estimate payments, or make an eligibility recommendation.

Check your notice date