How a rule becomes usable
- Identify the rule. Give it a plan, category, effective dates, and an explicit formula or value.
- Record provenance. Keep source agency, URL, verification date, source role, and version alongside it.
- Review before activation. Draft and verified records are not automatically used; a rule must be explicitly active.
- Calculate deterministically. Server-side TypeScript applies the active rule and returns its version, citations, assumptions, and warnings.
- Keep limits visible. Account-specific servicer instructions take precedence where they differ.
Currently active deadline rule
Version 2026-09-29.1 · verified 2026-09-29. The rule models a 90-calendar-day point from the SAVE transition notice date.
- End of the SAVE Plan: FAQsMOHELA / Federal Student Aid servicer · primary
- SAVE Plan transition announcementEdfinancial Services / Federal Student Aid servicer · corroborating
What is not calculated yet
RAP, IBR, Standard, and Tiered Standard payment amounts; borrower eligibility; forgiveness timelines; and PSLF progress require separate current, authoritative rule sets. Those results are intentionally not estimated from the SAVE transition rule.
Corrections and review
If you find a broken source, an outdated rule, or a calculation issue, please use the corrections page. We keep a rule changelog so material changes can be tracked.