SAVE Exit Bundle 2026 US — Student Loan Repayment Playbook + Planner | RAP vs Ibr Plan Comparison, Excel + Pdf

The SAVE Exit Bundle 2026 US pairs the 9-tab SAVE Exit Planner spreadsheet with the 90-day fillable RAP Exit Playbook PDF. Enter your notice date. The planner counts down your 90-day deadline, then compares RAP, IBR, Tiered Standard, and Standard 10-Year payments using published 2026 federal formulas, so you choose before your servicer chooses for you.

This is for a SAVE borrower who is running out of time and needs one bundle that both compares every replacement plan and walks them through the 90-day exit step by step.

SAVE has ended. This is your complete exit system: the plan AND the math.

Millions of borrowers are receiving 90-day notices as the SAVE plan winds down following a federal court ruling. If you don't pick a new plan, your servicer picks one for you. This bundle gives you everything you need to choose with confidence: the step-by-step playbook that walks you through the decision, and the spreadsheet that runs the numbers on YOUR loans and income.

WHAT YOU GET
1. The RAP Exit Playbook — 41-page premium fillable PDF workbook (September 2026 edition)
- 60-second summary: what ended, what your notice means, the four moves that matter
- Your 90 days, mapped: find your notice date, write your personal deadline
- Decision tree: RAP vs IBR vs Tiered Standard, answered step by step
- Worked RAP payment examples: real numbers, explained in plain English
- PSLF check: does forgiveness still work for you? Find out before you choose
- The 5 traps: the costly mistakes borrowers make (doing nothing, the new-loan lock-in, misreading PSLF, and more)
- 4 fill-in worksheets with 225 interactive fields: estimate your payment, compare plans on one page, finish the 90-day checklist, record your decision. Type straight into the PDF. Text fields, checkboxes, dropdowns. No printing required.

2. SAVE Exit Planner 2026 — 9-tab Excel spreadsheet + illustrated Quick-Start PDF
- Compares all 4 plans side by side: RAP, IBR, Tiered Standard, Standard 10-Year. With your exact monthly payment per the published 2026 federal formulas, plus illustrative lifetime totals, forgiveness estimates, and PSLF eligibility flags
- Counts down your personal deadline. Enter your notice date; the planner computes your 90-day deadline, days remaining, and walks you through a 7-step action checklist with urgency alerts
- Checks if you can afford the payment. Enter your take-home pay and essential spending once; every plan gets a leftover-cash verdict (Comfortable / Tight / Shortfall) plus a payment-shock callout
- Shows the cost of doing nothing: the true dollar cost of ignoring your notice

WHY THE BUNDLE? The playbook tells you what to do; the spreadsheet does the math. Together they're a complete system a forwarded PDF can't replace. And you save CA$14.99 vs. buying separately.

WHO IT'S FOR
US federal student-loan borrowers leaving the SAVE plan. Especially anyone who received (or is waiting for) a 90-day servicer notice and wants a calm, sourced, step-by-step plan instead of guesswork.

HOW IT WORKS
- Instant download after purchase: one ZIP file with the fillable playbook PDF, the Excel workbook, the Quick-Start guide, a README, and your personal-use license
- Playbook: fillable in Adobe Acrobat Reader (free), Apple Preview, and most tablet PDF apps. Or print on US Letter (A4: choose "Fit to page")
- Spreadsheet: works in Microsoft Excel (desktop or Excel for the web); imports into Google Sheets via File → Import (standard .xlsx import)
- No physical item will be shipped

PLEASE NOTE
- US federal student loans only. These tools model US repayment plans and do not apply to other countries' loan systems
- This is an educational guide for informational purposes only. Not financial, tax, or legal advice, and not a recommendation for any specific plan
- All facts are sourced from published reporting and federal guidance as of the September 2026 edition (see the playbook's Sources & Further Reading page). Repayment rules can change. Always confirm current terms at StudentAid.gov and with your loan servicer before enrolling in a plan
- Spreadsheet monthly payments are calculated per published federal formulas; lifetime totals and forgiveness estimates are illustrative (RAP/IBR payments recertify every year in real life)
- Personal use only. Please don't redistribute

Try the live demo (view-only sample): https://docs.google.com/spreadsheets/d/100nQQ_XEnsHBTAe6VaX0YctB5ZgrrFVcN7lYd2PcwWM/edit?usp=sharing

Q&A
Q: What's inside each part?
A: The RAP Exit Playbook is a 41-page fillable PDF workbook (September 2026 edition) with 225 interactive fields across 4 worksheets. It includes a 60-second summary, 90-day mapping, decision tree, worked RAP payment examples, PSLF check, and the 5 traps. The SAVE Exit Planner is a 9-tab Excel spreadsheet + illustrated Quick-Start PDF with side-by-side plan comparisons, a 90-day deadline countdown, leftover-cash verdicts, and the cost of doing nothing.

Q: How does the deadline tracker work?
A: Enter your notice date and the planner computes your 90-day deadline, days remaining, and walks you through a 7-step action checklist with urgency alerts.

Q: Which loans does it cover?
A: US federal student loans only. These tools model US repayment plans and don't apply to other countries' loan systems.

Q: What happens if I do nothing?
A: Your servicer picks a replacement plan for you. The planner's "cost of doing nothing" tab shows the true dollar cost of ignoring your notice.

MINI-FAQ
Q: Is this a servicer replacement?
A: No. It's an educational tool, not advice. Confirm current terms at StudentAid.gov and with your loan servicer before enrolling.

Q: US federal loans only?
A: Yes.

Q: Are the totals exact?
A: Monthly payments use published 2026 federal formulas; lifetime totals and forgiveness estimates are illustrative (RAP/IBR payments recertify every year).

Q: Do I need spreadsheet skills?
A: No. Just fill in the cream cells; the formulas do the rest.

SPECS
Format: Excel .xlsx + fillable PDF playbook + Quick-Start guide
Compatibility: Microsoft Excel (desktop or Excel for the web); Google Sheets (File → Import)
Region: US federal student loans only
Maker: Kollaz: Smart financial tools for modern money
Delivery: Instant digital download (ZIP file)