Support

Email hello@ashvara.io and a person will read it. Tell us what the app showed and what you expected — never send your aid file, your Social Security number or your FSA ID.

Where do I get my loan file?

Sign in at StudentAid.gov, open My Aid, and choose Download My Aid Data. You'll get a text file called MyStudentData.txt. Save it to Files, then in Paydown tap Import file and pick it. If you'd rather not, tap Enter loans by hand — the type, the date each loan was made, the balance and the rate are enough.

A loan is missing or looks wrong

Paydown shows exactly what the file contains. Loans that were paid off, or consolidated into a newer loan, stay in the file with a zero balance — they add nothing to any plan's payments. If a loan's type or a line in the file isn't one Paydown recognises, the loan map says so rather than guessing. Files older than a few weeks can be out of date — download a fresh one.

Why can't I pick SAVE, PAYE or ICR?

Borrowers with any loan made on or after July 1, 2026 — including a new consolidation loan — can only use RAP or the tiered Standard plan. The older income-driven plans also close to everyone on July 1, 2028. Where you're still eligible, Paydown shows those plans with their move to RAP in 2028 already modelled in.

Why does it ask about a consolidation?

Because the answer changes which plans you can use. A consolidation loan made on or after July 1, 2026 counts as a new loan. And a consolidation that repaid a Parent PLUS loan keeps income-based repayment only if at least one income-driven payment is made between July 4, 2025 and June 30, 2028.

Married filing jointly

Under RAP, a married couple filing jointly who both have federal loans each pay a share of one payment, split by balance. Paydown models your share when you tell it your spouse's federal loan balance.

The number differs from my servicer's

Paydown uses the income and household you entered, today's poverty guidelines and the published formulas. Your servicer uses the income on file from your last certification. If they differ by more than a few dollars, check the income figure first — tap Show the math on the plan to see every line of the calculation.

Is forgiveness taxed?

Forgiveness under Public Service Loan Forgiveness is tax-free. From 2026, forgiveness at the end of an income-driven plan is taxable income under federal law again; with the unlock, Paydown estimates that tax and includes it in each plan's lifetime cost.

Restoring a purchase

Paywall or Settings → Restore purchase, signed in with the Apple Account you bought it with. The unlock is a one-time purchase and restores on any device on that account; Family Sharing is included.

What Paydown is not

Paydown is an independent planning tool. It is not affiliated with the U.S. Department of Education, Federal Student Aid or any loan servicer, and it cannot change your plan — only your servicer can. Its results are estimates, not financial, tax or legal advice.