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▶Student Loan Repayment Command Center
Your loan didn't change. The rules did.
On July 1, 2026 the repayment menu was rewritten. SAVE is gone, RAP arrived, and the servicer letter came with six acronyms, a 90-day window and no maths. This 14-tab workbook is the maths: all seven plans priced from your own loans and your own income, side by side, before you sign anything. In the sample $68,400 balance that ships inside, RAP asks $191.67 a month where Standard 10-Year asks $822.89 — $631.22 a month of breathing room that costs $44,409.88 more over the life of the loan. Both numbers sit on one screen, so the choice gets made with your eyes open.
- Plan Comparison — all seven repayment plans priced from your own loans and your own income, side by side
- RAP Calculator — the band cliff in dollars: $200.00 a month at $60,000 of income, $250.01 at $60,001, $600.12 a year for the extra dollar
- Payoff vs Forgiveness — $84,259.56 forgiven in the sample triggers an estimated $18,537 tax bill in a single year
- Eligibility Check — which plans are actually open to you, settled before you start comparing them
- Four colour themes included — Classic, Light, Dark and Editorial, the same engine in each
Overview
Know your number before your servicer tells you.
On July 1, 2026 the repayment menu was rewritten. SAVE is gone, RAP arrived, and the servicer letter came with six acronyms, a 90-day window and no maths. This 14-tab workbook is the maths: all seven plans priced from your own loans and your own income, side by side, before you sign anything. In the sample $68,400 balance that ships inside, RAP asks $191.67 a month where Standard 10-Year asks $822.89 — $631.22 a month of breathing room that costs $44,409.88 more over the life of the loan. Both numbers sit on one screen, so the choice gets made with your eyes open.
The cliffs are the part nobody prices. RAP charges its band rate on your whole income with no phase-in, so $60,000 of income means a $200.00 payment and $60,001 means $250.01 — one extra dollar, $600.12 a year. Forgiveness is not free either: $84,259.56 forgiven in the sample triggers an estimated $18,537 tax bill in a single year. New IBR looks cheapest until you count that. This file counts it.
What's Included
14 connected tabs:
- Four full themes — Editorial, Colorful, Light and Dark (.xlsx), the same complete engine in each
- Quick-Start-Guide.pdf — start to finish in minutes
- ACCESS-YOUR-TEMPLATE.pdf — one click opens your own copy in Google Sheets
- README and LICENSE — delivered as one ZIP, instant download
Key Benefits
Why this one
All seven repayment plans priced from your own loan balances and your own income. In the sample $68,400 balance, RAP asks $191.67 a month and Standard 10-Year asks $822.89.
$631.22 a month lower costs $44,409.88 more over the life of the loan. Both figures sit on the same screen, so nothing gets chosen blind.
RAP charges its band rate on your whole income with no phase-in. At $60,000 the payment is $200.00. At $60,001 it is $250.01 — $600.12 a year for one extra dollar.
$84,259.56 forgiven in the sample triggers an estimated $18,537 tax bill in a single year. New IBR looks cheapest until you count that.
Classic, Light, Dark and Editorial ship together — same formulas, same answers, whichever you prefer to read on.
14 tabs · 22,038 formulas · recalculated clean · 170 of 170 independent math checks. Every screen in these images is the real file.
Who It's For
Built for
- Borrowers handed six acronyms and a 90-day window with no maths attached
- Anyone who was on SAVE and now has to choose again from a menu that changed on July 1, 2026
- Public-service borrowers who want the PSLF tracking and the plan choice in the same file
- Anyone weighing a lower monthly payment against what it costs over the life of the loan
How It Works
Up and running in minutes
The ACCESS-YOUR-TEMPLATE.pdf in your download opens your own copy in Google Sheets with one click
Balances, rates and types go on My Loans — the sample $68,400 balance sits there until you clear it
Eligibility Check narrows the seven plans down to the ones actually open to you
Plan Comparison puts the monthly payment and the lifetime cost of each plan on one screen
Payoff vs Forgiveness weighs the amount forgiven against the tax it is estimated to trigger in a single year
Why It's Different
Not another template
Most student loan calculators answer one plan at a time, which is exactly the wrong shape for a decision between seven. This file prices all of them from the same inputs, shows what a lower payment costs over the life of the loan, and puts the two things borrowers are rarely shown — the RAP band cliff and the tax on a forgiven balance — right next to the monthly number. Then it tells you plainly to confirm everything with your servicer before you choose.
Delivery & Compatibility
Instant, and works with what you use
As soon as your order is complete you get instant access to download your files. Prefer Google Sheets for real-time updates and dropdowns? It's fully optimized. More comfortable in Excel? It works just as well.
Built and tested in the latest Excel (Office 365). On Mac we recommend the Google Sheets version — the template is not compatible with Apple Numbers. Available in English. The template ships with sample data so every screen works on open; clear it whenever you're ready. The images and video show that sample data to demonstrate how it looks in use.
FAQ
Questions, answered
Does it work in Google Sheets?
Yes — one click. The ACCESS-YOUR-TEMPLATE.pdf in your download opens a copy straight into Google Sheets. The .xlsx works in Excel too. No subscription, and free lifetime updates.
The rules changed on July 1, 2026. Is this current?
It is built around the menu as it stands after that date — SAVE gone, RAP arrived, all seven plans priced side by side. The rules continue to evolve, so confirm every figure with your servicer and at StudentAid.gov before you choose a plan.
What is the RAP band cliff?
RAP charges its band rate on your whole income with no phase-in. In the sample, $60,000 of income means a $200.00 payment and $60,001 means $250.01 — $600.12 a year for one extra dollar. The RAP Calculator shows where your own bands fall.
Does it account for tax on forgiveness?
Yes. Payoff vs Forgiveness shows the amount forgiven beside the tax it is estimated to trigger: $84,259.56 forgiven and an estimated $18,537 bill in a single year, in the sample. It is an estimate, not tax advice.
Is anything pre-loaded?
Yes — a sample $68,400 balance ships inside so every screen works the moment you open it. Clear it in one select-and-delete when you are ready.
Can I get a refund on a digital download?
Because delivery is instant, all sales are final — but message us with any issue and we'll make it right.
This is a planning tool, not legal, tax or financial advice. The repayment rules changed on July 1, 2026 and continue to evolve. All figures shown are from the included sample and are computed by the file itself. Confirm every figure with your servicer and at StudentAid.gov before you choose a plan. For personal use only. © 2026 NicheToolkitHub — no resale or redistribution.
