📋 Note on Sign-On Bonuses
For sign-on bonuses, make sure to consider there may be clauses requiring multi-year commitments — an early exit might require that funds be paid back. Always read the fine print before accepting.

Estimates only. PSLF requires 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer — forgiven balance is tax-free. RAP (Repayment Assistance Plan) payments are based on AGI bracket percentages and include the two government subsidies enacted in P.L. 119-21 (effective July 2026): unpaid monthly interest is waived (balance never grows due to underpayment), and a $50 minimum principal reduction is guaranteed each month a full payment is made. Forgiveness after 30 years may be taxable as ordinary income under current law. Standard Aggressive uses fixed 10-year amortization — no income adjustments. PSLF and RAP totals assume a 3% annual salary increase, causing payments to grow each year; Standard Repayment payments are fixed. This tool does not account for refinancing, loan consolidation, or tax liability on forgiven amounts. Always consult a certified student loan advisor or financial planner for personalized guidance.

Reference: studentaid.gov — Federal Repayment Plans