Higher education financing in America just changed dramatically. The One Big Beautiful Bill (OBBB) represents the most significant overhaul of federal student loan policy in over two decades, reshaping how students borrow, how parents plan, and how graduates repay their debt. For millions of families navigating college costs, the rules have fundamentally shifted. The question is: do you have the tools and guidance to adapt?
PayForEd is ready! We have upgraded our comprehensive suite of software solutions designed to help every type of borrower, from high school students planning for college, to graduate and professional students evaluating advanced-degree financing, to working professionals managing loan debt and forgiveness decisions. Our suite of software tools includes the College Cost Analyzer, the Degree Payer, and the Student Loan Repayer.
Make smarter, more confident decisions in this new era of funding with PayForEd.
Introducing PayForEd’s OBBB Compliant College Funding Suite
PayForEd has rebuilt its entire platform to address the realities of today’s education financing landscape, supporting both legacy student loan regulations and the new OBBB framework. From college planning and graduate or professional school funding to repayment optimization and loan forgiveness, our integrated suite of three software solutions empowers families, students, borrowers, and advisors with the transparency and insights needed to make informed financial decisions. These insights fill the critical gap left by colleges and the financial aid process.
College Cost Analyzer – Plan Before the First Dollar Is Borrowed
For families with high school students or younger children, the College Cost Analyzer is designed to bring financial clarity needed before the college application process even begins.
Too many families enter the college selection and financial aid process without a clear understanding of the true cost of earning a degree or how today’s borrowing decision will impact their financial future. Our College Cost Analyzer eliminates that uncertainty by helping families evaluate the full cost of attendance, project borrowing needs through graduation, and understand the long-term consequences of various funding strategies.
Updated to reflect the new OBBB federal loan limits and borrowing rules, the software identifies the appropriate combination of federal and private loans needed to fund a student’s education, including when each loan source should be utilized throughout the college journey. It also provides detailed repayment projections for student loans, Parent PLUS loans, and private loans, giving families a realistic view of their future monthly payments and total repayment costs.
The result is a powerful financial roadmap that gives families the clarity, confidence, and control they need to make smarter college funding decisions, uncover hidden costs, and avoid costly borrowing mistakes long before the first tuition bill arrives.
Degree Payer – Navigate Funding for Students Already Enrolled or Have Been Accepted to a Specific Program
For students currently in school, whether they started before the OBBB or are just beginning under the new rules, the Degree Payer tool provides a comprehensive funding strategy built around their specific situation.
Degree Payer serves two distinct populations: existing undergraduate and graduate students who still qualify under legacy federal loan rules, and new students who must operate within the stricter OBBB federal loan limits. That second group includes not just undergrads, but students pursuing Master’s degrees and Professional degree programs (Medical, Dental, Pharmacy, Veterinary, Law, and Psychology PhD programs), where the gap between federal loan caps and actual tuition costs can be enormous.
The tool accounts for both new loans being taken out and loans already incurred, across both federal and private categories. It projects the optimal loan mix through graduation, estimates repayment options at program completion, and includes a personal budget tool that lets students and families see which loan combination they can realistically afford. PayForED takes out the guesswork for borrowers! No more hoping the numbers work out in the end.
Student Loan Repayer – Make the Most of Every Repayment Option
For borrowers who are already in repayment or about to enter it, the Student Loan Repayer brings order and strategy to what can feel like an overwhelming set of choices.
This tool helps both student and parent borrowers navigate the full landscape of legacy and new OBBB repayment and forgiveness options across federal and private loans. One of its most distinctive features is an integrated tax filing estimator that helps borrowers weigh the financial benefits of filing as married filing jointly versus married filing separately — a distinction that can meaningfully affect Income-Driven Repayment (IDR) calculations and forgiveness outcomes.
The Student Loan Repayer also provides clear projections for Public Service Loan Forgiveness (PSLF), including an estimated end date and total forgiven amount, and models IDR forgiveness scenarios — including an estimate of the potential tax exposure on the forgiven balance. For medical professionals and others whose incomes are expected to grow significantly in later years, the tool accounts for those income changes in long-range projections. A side-by-side comparison chart lets borrowers review all their options clearly before making a decision. And like Degree Payer, it includes a personal budgeting tool to help borrowers choose the path that fits their actual financial life.
The PayForEd Consulting Difference: A Fiduciary Approach to College Funding and Student Loan Advice
Technology is only part of what makes PayForEd different. In addition to our industry-leading software platform, we provide personalized consulting services designed to help families, students, and borrowers make informed decisions throughout the entire education funding journey.
We don’t sell products. We act as a fiduciary, which means our only obligation is to give you the best possible guidance for your situation.
Supported by a highly trained network of financial advisors, our team takes a comprehensive view of the college, graduate, and professional school investment. We help families develop funding strategies that balance educational goals with long-term financial outcomes, reducing the risk of excessive borrowing while maximizing available funding opportunities.
Our guidance does not end at graduation. We continue to support borrowers through repayment planning, forgiveness strategies, tax considerations, and debt optimization, ensuring every financing decision is aligned with their broader financial goals. With deep expertise in both legacy student loan programs and the new OBBB regulations taking effect July 1, 2026, we help families confidently navigate an increasingly complex landscape while avoiding costly mistakes that can impact their finances for decades.
The result is a level of transparency, expertise, and ongoing support that few organizations can provide, combining advanced technology with personalized advice to help families make smarter education financing decisions at every stage of the journey.
The Road Ahead: What Families Need to Know
The OBBB’s changes will ripple across students, parents, and colleges alike. As federal loan caps tighten, more families will turn to private student loans to bridge the gap, a shift that demands a new level of financial transparency and planning that the college financial aid process was never designed to provide.
Colleges will hand you a financial aid award letter. They won’t tell you whether the loan package is sustainable. College financial aid offices won’t model your repayment options at graduation. They can’t provide the help to understand the difference between filing taxes jointly or separately when you’re in IDR repayment five years from now.
PayForEd does all of that. And in a landscape that just became significantly more complex, having the right tools and guidance could be the difference between a manageable debt load and a financial burden that follows your family for decades.
The rules have changed. Let’s make sure your plan has too.
Ready to navigate the new landscape? Explore PayForEd’s full suite of OBBB-compliant tools or connect with one of our trained financial advisors today.
