IDR vs refinance calculator

IBR, RAP, and a private recast on the same balance. Forgiveness clock and a 2026 tax-bomb flag. Rates and AGI are yours — defaults are examples, not today’s servicer or today’s refinance quote. Read the IDR vs refinance guide first. SAVE is not a row.

Direct balance ($) Federal rate % Example, not today’s MPN. AGI ($) Family size (IBR FPL) Dependents (RAP $50 each) Loan cohort

Private recast · example, not a live quote

Private rate % Private term (years) Extra principal / mo ($) Tax rate at IDR forgiveness % Qualifying payments already counted PSLF path (120 payments, work-requirement exclusion)

DTI 0.5% recast is in the DTI calculator — this page flags it, it does not underwrite a house.

Monthly vs lifetime cash

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IBR uses 2026 HHS poverty guidelines for the 48 states ($15,960 + $5,680 per additional person) at 150%. RAP uses P.L. 119-21 bands, $50/dependent, $10 floor, unpaid-interest waiver, and the $50 principal match. AGI held constant. Paid sequence: stay-federal or recast playbook.