Business

Partner calculator sandbox

Ready: 60%
Balance: Pending
Income: $72,000
Loans: 0

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Sandbox

Partner request workflow

Profile

Borrower details

Analysis date

State

Poverty region

Marital status

Tax filing status

Annual income

Spouse income

Include spouse income

Family size

Dependents

Graduated and Extended eligibility

First Direct Loan repayment period

This determines the federal term rules for Graduated and Extended repayment.

Extended new-borrower test

For the modern Extended plan, confirm the borrower's Direct Loan balance history as of October 7, 1998.

FFEL repayment eligibility

FFEL Extended new-borrower test

Confirm the borrower's FFEL balance history as of October 7, 1998. This is separate from the Direct Loan test.

Expected monthly gross income

FFEL holders use expected gross income to establish and annually adjust Income-Sensitive repayment.

Direct IBR eligibility

IBR borrower category

Federal new-borrower status is based on loan balance history around July 1, 2014.

Qualifying REPAYE payments

Count only qualifying payments made on or after July 1, 2024.

Existing IBR payment cap

Only needed when the borrower is already repaying loans under IBR.

Parent PLUS consolidation transition

Qualifying IDR payment history

For every outstanding Direct Consolidation Loan with Parent PLUS history, confirm whether at least one ICR, PAYE, or IBR payment was made on or after July 4, 2025.

Pay As You Earn

PAYE enrollment history

PAYE is preserved only for borrowers who were enrolled on July 1, 2024 and did not leave the plan.

PAYE borrower category

The federal test uses loan balance history around Oct. 1, 2007 and a qualifying Direct Loan disbursement on or after Oct. 1, 2011.

Existing PAYE payment cap

Use the historical 10-year standard amount from when the borrower entered PAYE.

Income-Contingent Repayment

ICR enrollment history

Existing ICR enrollment is preserved only for borrowers who did not leave the plan after July 1, 2024.

Existing ICR 12-year payment

Use the historical 12-year standard amount from the account when the borrower is already in ICR.

Repay eligible Direct Loans jointly under ICR

Document screening

Other federal programs

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Work and service

Have you worked for a government or qualifying nonprofit employer?

Have you completed or are you completing qualifying teaching service?

Are you performing, or have you recently completed, active-duty military or qualifying National Guard service?

Do you need another military or national-service benefit, such as SCRA, National Guard or DoD forbearance, or AmeriCorps relief?

Discharge and payment relief

Do you have a total and permanent disability that may affect repayment?

Did your school close, withhold a refund, mislead you, or improperly create or certify a loan?

Are you receiving means-tested public assistance, serving in the Peace Corps, already approved for this deferment under another federal loan program, or working full time with very low income?

Are you receiving unemployment benefits, or are you unemployed or working less than full time while diligently seeking full-time work?

Do your required monthly student loan payments create a high debt burden compared with your monthly income?

Are you receiving, or scheduled to receive, treatment for cancer?

Do you need a temporary pause or reduction because you cannot make the current payment?

Loan and enrollment status

Are you enrolled at least half-time at an eligible school?

Are you participating full time in a graduate fellowship program?

Are you participating in a rehabilitation training program for a disability?

Is a student for whom you borrowed a Parent PLUS Loan enrolled at least half-time at an eligible school?

Are any of your federal student loans currently in default?

Has your school told you that you inadvertently received federal loans above an annual or aggregate loan limit?

Do you or your spouse want to revoke consent previously given for Federal Student Aid to access federal tax information for an income-driven repayment application?

Do you have a joint consolidation loan that may need to be separated?

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