Student Loan Analysis Tool from Sixiota Software LLC

Understand your federal student loans before you choose a payment plan.

MedLoanIQ is an educational tool for borrowers navigating IBR, RAP, and PSLF. It walks through how the plans work, how they compare under different income and filing scenarios, and what the tradeoffs look like over your full repayment window.

See Plans
Educational tool  ·  Not financial advice  ·  Free demo available

What does MedLoanIQ do?

Federal student loan repayment is genuinely complex, especially for borrowers whose income will rise steeply over the first few years of their careers. Recent changes to the federal repayment landscape — the introduction of RAP, the pending sunset of PAYE, and the fact that switching from IBR to RAP is irreversible — have made the choice harder, not easier. MedLoanIQ is an educational tool that runs the math across different scenarios so you can see how the plans compare for your situation. It is particularly useful for graduating professional students (dentists, veterinarians, lawyers, physicians, and others) with substantial federal loan balances, borrowers pursuing or considering PSLF, and married borrowers weighing joint vs. separate tax filing year by year.

📊

IBR vs RAP Comparison

Side-by-side monthly payment, total cost, and loan balance projections for both plans across your full PSLF window.

🎯

PSLF Optimizer

Find your optimal switch year — when to move from RAP to IBR to minimize payments while maximizing forgiveness.

💑

Filing Status Analysis

Model the impact of filing jointly vs. separately on your payments. Includes an embedded MFJ vs MFS tax comparison tool to calculate your actual tax cost.

🔄

Consolidation Modeling

See exactly how consolidating your loans would change your interest rate, payments, and total cost to forgiveness.

📈

Visual Charts & Tables

Year-by-year payment schedules, balance curves, and cumulative cost graphs — all exportable for your own planning.

🤖

AI Assistant

Ask plain-English questions about your results. Claude explains the tradeoffs, flags unusual patterns, and helps you understand what matters.

IBR vs RAP monthly payment comparison chart
Monthly payment comparison across your full PSLF window — residency through attending, with the 10-year standard payment cap shown.
Year-by-year color-coded payment table
Color-coded year-by-year table showing payments, balances, and the government RAP subsidy each year.
Loan balance over time
Loan balance over time — how RAP's government subsidy drives your balance down faster.
Running total loan costs
Running total of all payments made — compare the cumulative cost of each plan through your PSLF window.

Plans

Start with the free demo. Upgrade to a paid plan at any time.

Free Demo
$0
Explore the tool with a limited feature set.
  • Email signup (magic link)
  • Core IBR vs RAP view
  • Limited scenarios
  • AI assistant
  • File upload
Start Free Demo
30-day Single
$XX / 30 days
Full access for single or non-married borrowers.
  • Everything in demo
  • AI assistant
  • Full year-by-year modeling
  • Consolidation modeling
  • NSLDS file upload*
Get Started
30-day Married
$XX / 30 days
For married borrowers or those anticipating marriage in the next ~10 years.
  • Everything in 30-day Single
  • MFJ vs MFS tax analysis
  • Future marriage modeling
  • Spouse-loan support
  • Year-by-year filing strategy
Get Started
9-month Single
$XXX / 9 months
Extended access for single borrowers working through the decision over time.
  • Everything in 30-day Single
  • 9 months of access
  • Re-run scenarios as your plans change
Get Started
9-month Married
$XXX / 9 months
Extended access for married borrowers working through the decision over time.
  • Everything in 30-day Married
  • 9 months of access
  • Re-run scenarios as your plans change
Get Started

* NSLDS file upload and AI assistant features are in active development.

Before you continue

Please read and acknowledge the following before using MedLoanIQ.

Important — Read This

MedLoanIQ is software, not advice. MedLoanIQ models student loan repayment scenarios. It does not provide financial, legal, tax, or investment advice. Using MedLoanIQ does not create any advisory relationship. You are the decision-maker.

The Tool's output may be wrong. Calculations, comparisons, and recommendations shown by the Tool are estimates based on the inputs you provide, publicly available formulas, and assumptions about a federal loan program landscape that changes. They may contain errors. They may not reflect your specific loan terms, current rules, or facts particular to your situation.

AI responses may be wrong. If you use the AI features, responses are generated by a language model and may contain factual errors, outdated information, or misapplied rules. AI responses are not reviewed by a professional. Treat them as one input to your thinking, never as instructions.

Do not rely on MedLoanIQ alone for decisions. Student loan choices — plan selection, filing status, consolidation, PSLF strategy — can have six-figure consequences and are often hard to reverse. Before acting, independently verify your assumptions with your loan servicer and other authoritative sources. You are responsible for your decisions and their outcomes.

One purchase, one borrower. Paid access lets you analyze one borrower's loan situation per purchase (or you and your spouse jointly, if applicable). If you need to run analyses for additional borrowers, please purchase additional access. All sales are final; refunds are not issued for decisions you made or for changes in your circumstances.

Enter MedLoanIQ →
By continuing, you also agree to the full Terms of Use.