Compare your federal student loan repayment options.
Upload your federal loan file to see estimated monthly payments, projected total costs and program criteria in a report you can read, compare and keep.
Your file is analyzed in your browser — it never leaves your device.
- Built on the July 2026 federal rules
- Published calculation checks and limitations
- No account required
What you pay today
$613/mo
Standard, 10-year
- Balance
- $54,300
- Weighted rate
- 6.38%
- Loan types
- Direct Unsub · Grad PLUS
Plans open to this borrower
- RAP$305/mo
Effective July 1, 2026
−$308 - IBR$309/mo
In effect since 2009
−$305 - Extended$363/mo
In effect · above the listed balance threshold
−$251 - Standard, 10-year$613/mo
In effect · this borrower’s current plan
same as today
Graduated is also open to this borrower and starts lower, then steps up every two years. PAYE and ICR are closed to new enrollment. The Tiered Standard plan applies to borrowers who take out a new federal loan on or after July 1, 2026. Your report covers every plan and lists the criteria each one sets out.
Sample portfolio, for illustration: $54,300 across four Direct Unsubsidized and Grad PLUS loans at a 6.38% weighted rate, single filer, $61,000 AGI, no dependents, no new borrowing on or after July 1, 2026. Figures computed with the same engine that produces your report. Estimates only; your servicer determines final amounts.
What you get
Your loans, summarized
Every federal loan, balance, rate, servicer, and status in one place.
What changed on July 1, 2026
Your estimated monthly payments under legacy plans and the July 2026 rules, side by side using your current loan file and answers, with any continuation limits explained.
PSLF & forgiveness criteria
The conditions each program lists, shown next to the matching information from your file and answers, with the conditions stated.
How it works
- 1
Get your file
Download your “Download My Aid Data” file from studentaid.gov — about 5 minutes, and we show you how.
How to get your file → - 2
Answer a few questions
Income, family size, employer, and a couple of plan questions.
- 3
Get your report
An interactive before/after report you can read on screen or save as a PDF.
What changed on July 1, 2026
The Repayment Assistance Plan (RAP) and Tiered Standard joined the federal repayment menu on July 1, 2026. Loan type, borrowing dates and enrollment history affect the comparison. Clevara shows estimated payments and costs using your current file and answers, with assumptions and continuation limits alongside the figures.
$39, one time
A single payment in U.S. dollars (USD). No subscription. No account required. Reports are not currently available to residents of California, New York or Illinois.
- Full loan summary
- Before / after payment comparison
- PSLF & forgiveness criteria
- Printable PDF report
Nothing to cancel, no account to make. Before you pay you’ll see how many loans your file holds, your total balance, and exactly what the report covers. Pay once to open the full analysis and print or save it as a PDF.
Analyze my loansFrequently asked questions
Why pay for Clevara when StudentAid.gov has a free calculator?
StudentAid.gov provides a free Repayment Calculator and free federal program information. Clevara charges $39 once for an organized comparison report with assumptions and a printable copy. The fee does not pay for an application, enrollment, loan servicing or a plan change. You can inspect the sample before deciding whether that format is useful to you.
Read the sample report →Is my loan data uploaded?
No. Your loan file and questionnaire answers are processed in your browser. Stripe receives checkout details, including any email you enter. Saved reports stay in this browser and can be deleted from Privacy.
What file do I need?
The “Download My Aid Data” file (previously “MyStudentData”) from studentaid.gov — a plain-text .txt export, not a servicer PDF or a screenshot. The how-to page walks through it.
Is this financial or legal advice?
No. Clevara displays program criteria next to the information you provide; it does not make eligibility determinations or recommendations. We can help you find information in your report and define terms. We cannot assess eligibility, recommend programs, or advise on next steps.
What changed on July 1, 2026?
RAP and Tiered Standard became part of the repayment menu. Older plans have separate loan-type, date and enrollment conditions, including a transition away from PAYE and ICR by July 2028. The Department of Education and your servicer confirm your actual enrollment options.
Can I use it for someone else’s loans?
Yes — the analysis runs on whichever “Download My Aid Data” file you upload.
What about refunds?
If the report fails to generate, your purchase is refunded in full. Once it has generated and been delivered, the sale is final.
Read the refund policy →