Institutional-grade education debt modeling. Solve for IDR efficiency, forgiveness trajectories, and repayment optimization with 2026 precision.
Official 2025-2026 federal rates and institutional forgiveness targets.
| Loan Tier | Rate | Status |
|---|---|---|
| Undergrad Direct | 6.53% | Effective |
| Grad Unsub | 8.08% | Effective |
| PLUS (Grad/Parent) | 9.08% | Effective |
| Private Refi | 4.5% - 10% | Variable |
| Plan Type | % Discretionary | Term |
|---|---|---|
| SAVE (Undergrad) | 5% | 20 Yrs |
| SAVE (Graduate) | 10% | 25 Yrs |
| Extended Fixed | N/A | 25 Yrs |
| PSLF Nexus | Varies | 10 Yrs |
| Objective | Primary Factor | Outcome |
|---|---|---|
| Forgiveness | Govt/NP Emp | PSLF 10yr |
| Low Payment | Income % | SAVE Flow |
| Interest Save | Rate Diff | Private Refi |
| Total Cost | Accelerated | Standard 10 |
Federal and private student loans represent a complex intersection of academic investment and multi-decade financial liability. In the 2026 economic environment, the focus has shifted toward **Income-Driven Efficiency**, **Interest Subsidy Management**, and **Forgiveness Compliance**. Our S-Class engine analyzes the core debt vectors: **SAVE Plan Elasticity**, **PSLF Qualification Velocity**, and **Refinancing Break-Even Points**.
Standard calculators often fail to account for the **Interest Subsidy Gap** inherent in new 2026 IDR structures. Under the SAVE plan, if your income yields a $0 payment, as much as $500/month in interest may be suppressed by the government. Our Debt Audit Engine applies a **Subsidy Multiplier**, identifying the exact 'Net Cost of Capital' over the 20-25 year repayment horizon compared to private-market refinancing.
Expert guidance for navigating 2026 student loan and education protocols.
Internal Resource Mapping
Verified Institutional Framework • 2026 Edition