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Deterministic 2026 federal student loan repayment math for AI agents. RAP, IBR, ICR, PAYE, SAVE and PSLF calculations from Finology Software's parity-verified engine, so assistants stop guessing at federal repayment rules.

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 rathe