On Oct. 30, 2025, the U.S. Department of Education published final Public Service Loan Forgiveness (PSLF) program regulations that will be effective on July 1, 2026. We’ll provide updates when the regulations are implemented. For now, there are no impacts to borrowers, payment counts, or discharges. Visit StudentAid.gov/publicservice for more information about PSLF and current program requirements. For more information about employer eligibility, visit StudentAid.gov/pslf/employer-search. To apply for PSLF, use the PSLF Help Tool at StudentAid.gov/pslf.

A federal court issued an injunction preventing the U.S. Department of Education from implementing the Saving on a Valuable Education (SAVE) Plan and parts of other income-driven repayment (IDR) plans.

The U.S. Department of Education previously notified borrowers with loans in the SAVE forbearance that interest began accruing August 1, 2025. Visit StudentAid.gov/SAVE for details, including how to stay on track for Public Service Loan Forgiveness and Income Driven Repayment Forgiveness.

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Tools Forms

Tools

Choose a tool below to assist you in calculating your student loan repayment, budgeting, or other financial planning.

Money Basics Quiz Prep
This page will cover topics related to the Money Basics Quiz.

Money Basics Quiz
Take a short financial quiz to learn more about money basics!

List of Infographics
This page contains a list of illustrations that are found throughout this site to help explain topics about student loan management or money basics.

Student Loan Repayment Calculator
Estimate how much your monthly payment will be or find out how to get ahead on payments and save money on interest. You may be surprised.

Income-Based and Income-Contingent Repayment Calculator
The Income-Based and Income-Contingent Repayment Calculator helps you estimate monthly student loan payments and choose a loan repayment option that best meets your needs and goals.