{ "name": "SAVE Exit Navigator — rule registry", "url": "https://save.wuxa.ai/facts.json", "about": "The rules and constants behind a repayment-plan comparison for US federal student loan borrowers leaving the SAVE plan.", "disclaimer": "SAVE Exit Navigator is an independent educational tool from ToolXpert. It is not affiliated with the U.S. Department of Education, Federal Student Aid or any loan servicer, and it does not provide financial, tax or legal advice. Every figure it shows is an estimate, not a determination — only your servicer can confirm your payment, eligibility and deadline. Provided without warranty. You can change your repayment plan for free at StudentAid.gov.", "citation": "SAVE Exit Navigator, https://save.wuxa.ai, oldest verification 2026-08-11.", "verification": { "oldest": "2026-08-11", "ageDays": 14, "staleAfterDays": 45, "status": "fresh", "policy": "Every claim is re-read against its cited source by a human. The project test suite fails once the oldest verification passes staleAfterDays." }, "facts": [ { "id": "tiered-standard-no-pslf", "topic": "Tiered Standard / PSLF", "claim": "Time spent in the Tiered Standard Plan earns no PSLF credit.", "verified": "2026-08-11", "sourceTier": "primary", "source": "https://www.ed.gov/about/news/press-release/fact-sheet-trump-administration-simplifying-student-loan-repayment" }, { "id": "consolidation-kills-ibr", "topic": "IBR eligibility", "claim": "What closes IBR is new borrowing, not a calendar date: any new Direct Loan first disbursed on or after 2026-07-01 moves the ENTIRE portfolio to RAP or Tiered Standard, permanently. A Direct Consolidation Loan counts as a new Direct Loan for this purpose, which is why consolidating after the cutoff ends IBR.", "verified": "2026-08-20", "sourceTier": "primary", "source": "https://www.congress.gov/crs-product/IF13075" }, { "id": "save-90-day-window", "topic": "SAVE wind-down", "claim": "SAVE termination notices began around 2026-07-01 and each starts a 90-day window to select a new plan; non-choosers are placed on Standard or Tiered Standard.", "verified": "2026-08-13", "sourceTier": "primary", "source": "https://www.ed.gov/about/news/press-release/us-department-of-education-announces-next-steps-borrowers-enrolled-unlawful-save-plan" }, { "id": "notice-wave-schedule", "topic": "SAVE wind-down", "claim": "SAVE notices go out in WAVES, not all at once. Servicers began 2026-07-01; Nelnet is notifying its ~3M borrowers between July 2026 and March 2027. Earliest required exit is 2026-09-29 (ED court filing, June 2026); the latest deadlines run into mid-2027. There is no single national deadline.", "verified": "2026-08-17", "sourceTier": "secondary", "source": "https://www.forbes.com/sites/adamminsky/2026/07/15/education-department-begins-notifying-student-loan-borrowers-they-have-90-days-to-switch-plans/" }, { "id": "autopay-interest-reduction", "topic": "Auto pay / interest", "claim": "The auto pay interest rate reduction rose from 0.25% to 1% on 2026-07-01, for Direct Loans originated on or after 2012-07-01 (including Parent PLUS), and runs through 2028-06-30. Borrowers not already enrolled must enrol by 2026-09-30 (11:59pm ET) to get it. FFEL, HEAL and Perkins are excluded. SAVE borrowers must select a new repayment plan before they can enrol.", "verified": "2026-08-17", "sourceTier": "primary", "source": "https://www.ed.gov/about/news/press-release/us-department-of-education-announces-student-loan-interest-rate-reduction" }, { "id": "rap-payment-bands", "topic": "RAP", "claim": "RAP charges 1-10% of full AGI, the percentage rising one point per $10,000 of AGI and capped at 10% above $100,000. AGI of $10,000 or less pays a flat $10/mo. Minimum $10/mo. Each dependent reduces the payment by $50, but never below the $10 floor.", "verified": "2026-08-20", "sourceTier": "secondary", "source": "https://www.congress.gov/crs-product/IF13075" }, { "id": "rap-interest-and-match", "topic": "RAP", "claim": "RAP waives monthly accrued interest left unpaid after the payment, for any loan in negative amortization. Where a payment repays less than $50 of principal, RAP adds the lesser of $50 or (monthly payment minus principal repaid). Forgiveness after 360 payments (30 years). Parent PLUS loans AND \"excepted Consolidation Loans\" - consolidations that include a Parent PLUS - are both ineligible.", "verified": "2026-08-20", "sourceTier": "secondary", "source": "https://www.congress.gov/crs-product/IF13075" }, { "id": "ibr-rates-and-terms", "topic": "IBR", "claim": "Old IBR is 15% of discretionary income forgiven at 25 years; New IBR is 10% forgiven at 20 years; payments capped at the 10-year Standard amount; OBBBA removed the partial-financial-hardship test.", "verified": "2026-08-20", "sourceTier": "commentary", "source": "https://www.tateesq.com/learn/income-based-repayment" }, { "id": "tiered-standard-terms", "topic": "Tiered Standard", "claim": "Tiered Standard term is set by original principal: <$25k → 10y, $25–50k → 15y, $50–100k → 20y, ≥$100k → 25y. Minimum $50/mo.", "verified": "2026-08-11", "sourceTier": "secondary", "source": "https://www.mass.gov/info-details/the-new-tiered-standard-plan" }, { "id": "idr-forgiveness-taxable", "topic": "Tax", "claim": "The ARPA exclusion expired 2025-12-31, so non-PSLF IDR forgiveness is taxable federal income. PSLF forgiveness remains tax-free.", "verified": "2026-08-20", "sourceTier": "commentary", "source": "https://www.tateesq.com/learn/student-loan-forgiveness-ibr" }, { "id": "hhs-poverty-guidelines", "topic": "Poverty guidelines", "claim": "2026 guidelines: $15,960 for 1 person in the contiguous 48 + DC, +$5,680 per additional person; Alaska and Hawaii higher.", "verified": "2026-08-20", "sourceTier": "primary", "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines" } ] }