Finology Software: Federal Student Loan Engine

Verified federal student loan math for advisors and borrowers, on the rules in effect since July 1, 2026: the Repayment Assistance Plan (RAP), the new tiered Standard plan, IBR, ICR, and the closures of SAVE and PAYE. Three calculations, no account and no key: - Compare every federal repayment plan a loan can elect, with monthly payment, lifetime cost, forgiveness timing and the estimated tax on a forgiven balance. Plans the loan cannot elect are returned with the rule that excludes them rather than dropped. For Parent PLUS debt the consolidation path is run unprompted, because that is the number that decides. - Estimate a RAP monthly payment from income, filing status and household size. - Compare filing jointly against filing separately on the loan side, and say plainly what the comparison does not model. Nothing here is generated. Every figure comes from the same engine that produces client reports inside Finology Software, is parity-verified against a reference oracle on each release, and is returned stamped with the rule version and the date in effect. Every tool is read-only and stores nothing. Figures are for education, not financial advice. The tax on forgiven balances is an estimate at today's brackets.

First seen 2 Oct 2026. Evidence as of 2 Oct 2026.