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- 6 questions · no login
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Recommended plan
SampleRepayment Assistance Plan (RAP)
Estimated monthly payment
$129
↓ $600 this year
Single parent with 2 kids. Estimate · Rules as of Nov 1, 2026. Your own numbers will differ.
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Made-up borrowers, real rules engine.
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How it works
How it works
Three steps, from quiz to letter.
- 1
Answer six short questions
Income, family, loans and where you work. No login, no email, never your FSA ID.
- 2
Compare every plan
RAP, IBR, 10-year and Tiered Standard side by side, with the rule behind each number.
- 3
Check your statement
Upload a bill. We check your servicer's math and draft a letter you can send.
Why it matters
Borrowers are seeing this right now
“…SAVE was 497 new IDR plan is 2157 a month. Trying to figure out if I should sell my house or take my child out of daycare and have my wife split a vehicle.”
“…My interest subsidy should be 93.21/month. I received $53.11.”
FAQ
Questions borrowers ask us
Still unsure? The free check takes about a minute and needs no account.
Is Owen free?
The plan check and the statement check are free. The dated action plan, letters, reminders and report cost $9/mo or $79 a year, and you can cancel anytime. Applying for a repayment plan is always free at StudentAid.gov.
Do you need my FSA ID?
No. We never ask for your FSA ID or password, and you should never share it with anyone. You apply for plans yourself on StudentAid.gov or through your servicer.
Is Owen part of the government?
No. Owen is an independent company. We are not affiliated with the U.S. Department of Education, Federal Student Aid, or any loan servicer.
How does Owen make money?
From the optional subscription, and nothing else. We don't take commissions from servicers or lenders, and nobody pays us to recommend a plan.
How accurate are the numbers?
They're estimates from what you enter and the federal rules as of Nov 1, 2026. Every number shows the rule it comes from. Check with your servicer before you act.
What happens to the statement I upload?
It's sent to our AI provider (Anthropic) to read the numbers, then checked against the rules. We don't store the file.
Can I use Owen in New York or California?
Yes, the free tools work everywhere. Paid plans aren't available in New York or California yet.
Ready to see your numbers?
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