Paydown: Student Loan Planner

Paydown answers one question: which federal student-loan repayment plan should you be on now? THE RULES CHANGED Loans made on or after July 1, 2026 can only use the new Repayment Assistance Plan (RAP) or a tiered Standard plan. The older income-driven plans close to existing borrowers on July 1, 2028. Parent PLUS consolidations keep income-based repayment only under a narrow window. And forgiveness under an income-driven plan is taxable again from 2026. Which of this applies to you depends on when each of your loans was made, what kind it is, and what you've done with it. YOUR LOANS, MAPPED Import the aid file you download from StudentAid.gov, or add loans by hand. Paydown reads every loan, date and balance on your phone and sorts them by the rules that apply to them. Nothing is uploaded — there is no account and no server. EVERY PLAN YOU CAN STILL PICK Answer six short questions about…