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IDR Plan Comparison
Compare estimates for SAVE, PAYE, and IBR to find your lowest monthly payment.
Your Details
From your last tax return (Line 11 on 1040).
Poverty guidelines are higher in AK/HI.
Standard 10-Year Payment
$0/mo
This is the "Cap" for PAYE/IBR.
Interest Accrual: $1,625/mo
Methodology
Estimates based on projected 2026 HHS Poverty Guidelines. Assumes all loans are graduate "Direct" loans. Does not account for "weighted average" calculation of underground/grad loans for SAVE (assumes 10% rate). Actual payments determined by your loan servicer.