Get your student loans under control
Could your student loan payment be lower?
Explore potentially lower monthly payments. Compare payment options, payoff timelines and total costs in one clear report.
$39 once. No subscription.
- No subscription
- No account needed
- Your loan file stays in your browser
See the possibilities
Different payments. Different trade-offs.
A different repayment path can change your monthly bill. Here is how one illustrative loan profile compares.
See a sample report- Current monthly bill10-year Standard plan
- $613/month
- Income-based option 1Estimated starting paymentRepayment Assistance Plan (RAP)
- $305/month
- Income-based option 2Estimated starting paymentIncome-Based Repayment (IBR)
- $309/month
4 federal loans · $54,300 balance
A lower monthly payment can mean a longer repayment period or a different total cost.
Assumptions behind this example
- Total balance
- $54,300
- Weighted interest rate
- 6.38%
- Annual income (AGI)
- $61,000
Four Direct Unsubsidized and Grad PLUS loans. Single filer, family size one, no dependents. Borrowing began after July 2014; no new borrowing on or after July 1, 2026. Figures use the same calculation engine as your report. Estimates only; your servicer determines final amounts.
A lower payment is only part of the picture.
See the monthly payment and the longer view.
A smaller monthly bill can change how long you pay. Compare the same example side by side.
Current monthly bill
$613 a month · 10-year Standard plan
10 years · Paid off
Income-based option 1RAP
$305 a month · estimated starting payment
30 years · Projected forgiveness
Income-based option 2IBR
$309 a month · estimated starting payment
20 years · Projected forgiveness
Years from starting this repayment path.
Estimated total paid
- Current monthly bill
- $73,60410 years · Paid off
- Income-based option 1RAP
- $109,80030 years · Projected forgiveness
- Income-based option 2IBR
- $74,11920 years · Projected forgiveness
Total paid over each path in the model, not a net-savings or tax-inclusive total.
Illustrative example. Income-based projections hold income at $61,000; payments and timing can change. Rising income can increase total paid and reduce the amount forgiven. Prior qualifying-payment credit and any tax on forgiveness are not included.
Your loans,
with the bigger picture.
Clevara turns your federal loan file and a few answers into a comparison of estimated payments, repayment timelines and total costs, with the assumptions alongside the numbers.
From your loan file to a clearer picture.
Get your loan file
Download your aid data from StudentAid.gov. Our guide walks you through the steps.
How to get your fileAnswer a few questions
Add your income, family size and a few details the loan file does not include.
Open your report
Review your loan count, balance and report contents. Pay once to open your calculated comparison, then print or save it as a PDF.
One report. $39 once.
- Estimated monthly payment comparisons
- Projected repayment timelines and total paid
- A report you can save and revisit
Reports are not currently available to residents of California, New York or Illinois.
$39
One-time payment · USD
No account needed. Your loan file stays in your browser.
- Before payment
- Your loan count, total balance and a description of what the report covers.
- After payment
- Your individualized estimates and full comparison report.
$39 once. No subscription.
See a sample reportQuestions people ask first.
What do I get in the report?
See estimated monthly payments alongside your current bill, projected repayment timelines and estimated total paid. The report also shows PSLF and forgiveness criteria next to the information from your file and answers, with assumptions and limitations explained. See the sample report
What can I see before paying?
After you add your loan file and answer the questions, you see your loan count, total balance and report contents. Individualized payment and total-cost estimates are in the paid report.
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. Follow the file-download guide
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.
Do I need an account or subscription?
No. Pay $39 once for your report. There is no subscription or Clevara account to create.
Can Clevara connect to my loan servicer?
Automatic loan connection is not available. Clevara uses the file you choose and does not log into your account, enroll you in a plan or change your payments.
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 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
See your options side by side.
Understand the monthly payment and the longer-term trade-offs in one clear report.
$39 once. No subscription.