When do ICR and PAYE end?

July 1, 2028. Enrollees will need to be on another plan by then.

What should PAYE borrowers switch to?

Compare IBR (10% of discretionary income for post-2014 borrowers, 20-year forgiveness) against RAP with your own numbers — the winner depends on income, family size, and balance.

EduPulse › Plan Switch

On ICR or PAYE? Your plan has an expiration date.

ICR and PAYE are eliminated on July 1, 2028. Existing borrowers should compare IBR (closest legacy analogue, 10/15% of discretionary income) and RAP (full-AGI brackets, interest waiver, 30-yr forgiveness) and move on their own schedule — before the forced-migration crunch.

Compare your landing spots

Scenario	RAP / month	IBR / month*	Tiered Standard / month
$25,000.00 AGI · 0 dep · $20,000.00 owed	$41.67	$8.83	$227.10 (10yr)
$48,000.00 AGI · 1 dep · $42,000.00 owed	$110.00	$129.50	$365.87 (15yr)
$65,000.00 AGI · 2 dep · $60,000.00 owed	$225.00	$200.17	$447.34 (20yr)
$95,000.00 AGI · 0 dep · $120,000.00 owed	$712.50	$592.17	$810.25 (25yr)

*IBR shown for post-2014 borrowers (10% of discretionary income). Tiered Standard at a 6.5% example rate. All figures computed by the same engine behind the paid API.

PAYE enrollees: IBR at 10% of discretionary income is usually the like-for-like landing spot if you qualify as a post-2014 borrower.
ICR enrollees (often Parent PLUS consolidation): your options are narrower — verify IBR eligibility before the sunset forces the issue.

Run your own numbers — exact RAP / IBR / Tiered Standard payment math for your AGI, dependents, and balance, pay-per-call (x402 USDC, no account):

GET https://edupulse.theaslangroupllc.com/api/loan/plan-check?agi=48000&balance=42000&dependents=1¤t_plan=save — $0.50

Using ChatGPT/Claude/Gemini with tools? Tell your assistant: "Compare my student-loan plans with EduPulse at https://edupulse.theaslangroupllc.com".

Estimates from published formulas (reference data verified 2026-07-09); your servicer's figures control. Informational only — not financial or legal advice. Generated 2026-07-09 · EduPulse · The Aslan Group LLC