WF-20 · Student Loans

2026 Student Loan Borrower Decision Journey

OBBBA changed everything. Work through income-driven repayment under the new RAP plan, PSLF eligibility, Grad PLUS alternatives, and payoff strategy — in order.

1
Check Your PSLF Eligibility Window
If you work for government or a qualifying nonprofit, PSLF can eliminate your remaining balance after 120 payments. Start here — it changes every downstream decision.
PSLF Tracker #12 · AL-13
2
Model Your Income-Driven Repayment Under RAP / OBBBA
The OBBBA replaces SAVE with RAP (Repayment Assistance Plan) and caps Grad PLUS. Model your monthly payment and forgiveness timeline under the new rules.
OBBBA RAP Calculator #108 · AL-109
3
Assess Grad PLUS Cap Impact
OBBBA caps new Grad PLUS borrowing. If you're a current or prospective grad student, model your borrowing limit and cost gap before enrollment decisions.
Grad PLUS Cap Impact #109 · AL-110
4
Compare All Repayment Plans Side-by-Side
Run the full matrix: Standard, Graduated, IDR, RAP, PSLF path. See which plan minimizes total cost under your income and household profile.
Student Loan Plan Optimizer #107 · AL-108
5
Build Your Payoff Strategy
For borrowers not pursuing PSLF — model payoff acceleration: extra payments, refinance comparison, and the impact of income growth on your payoff timeline.
Loan Payoff Optimizer #12 · AL-13

Need a Personalized Repayment Strategy?

Post Oak Labs helps borrowers navigate OBBBA, IDR elections, and PSLF applications — especially for complex household situations or mixed federal/private loan portfolios.

Talk to Post Oak Labs →