2025 IDR & PSLF Eligibility Calculator

2025 IDR & PSLF Eligibility Calculator

One file that tells You exactly:

• Which forgiveness track You are on (IDR vs PSLF)
• How many qualifying payments already made
• How many months remain
• Calendar date the loan will hit zero (2025 rules)

2025 Rules Embedded

• PSLF: 120 months, any IDR plan, buy-back months (AFT settlement) auto-added
• IDR: 20/25-year clock, tax-bomb removed (2025 deal), 6-monthly forgiveness batches
• Qualifying employer = EIN lookup table (non-profit flag)
• Repayment plan map = newest SAVE, IBR, PAYE, ICR, old IBR

Formula MVP Snippet

=MAX(0,120 - A6 + IF(A8="PSLF",B6,0))  // months left
=EDATE(TODAY(),C2)                     // forgiveness date

Extras

• Traffic-light row: green = forgiven, amber = < 12 mo, red > 12 mo
• Printable PDF button: one-click export for employer/HR