Which plan am I eligible for?

Answer a few questions about disbursement dates, Parent PLUS, and PSLF. Then open the payment estimator for dollar estimates.

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All loans first disbursed on or after July 1, 2026This includes Parent PLUSI am pursuing or might pursue PSLFI want the lowest fixed payment I can get

Eligibility snapshot

Repayment Assistance Plan (RAP) (likely available)

If all Direct Loans were first disbursed on or after July 1, 2026, RAP is the only IDR option.

RAP payments can count toward PSLF.

Income-Based Repayment (IBR) (not available)

IBR is not available when all loans were first disbursed on or after July 1, 2026.

Use RAP for income-driven repayment on those loans.

Tiered Standard Plan (likely available)

Tiered Standard is available when at least one Direct Loan was first disbursed on or after July 1, 2026.

Payments under the Tiered Standard Plan do not count toward PSLF. Source: https://studentaid.gov/articles/save/

Next step: Your main federal choices are RAP and Tiered Standard. Use the repayment estimator to compare dollars, then weigh PSLF and flexibility.

Open the RAP vs IBR vs Tiered Standard estimator

Sources

Figures checked against official sources on November 12, 2026

Repayment Assistance Plan (RAP) (Edfinancial Services (studentaid.gov servicer))
FAQs: Repayment Assistance Plan (RAP) (CRI Student Aid)
Top FAQs About Income-Driven Repayment Plans (Federal Student Aid)
Income-Based Repayment (IBR) (Edfinancial Services)
FAQs: Tiered Standard Plan (CRI Student Aid)
What Is the Tiered Standard Plan? (CRI Student Aid)
Lower Payment Options (Edfinancial Services)
SAVE Plan Borrowers: FAQs About Choosing a Different Repayment Plan (Federal Student Aid)