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RAP is the 2026 income-driven student loan plan: 1-10% of your AGI, minus $50 per dependent, with unpaid interest waived and forgiveness after 30 years.
2026-06-22 RAP vs IBR: which student loan plan is cheaper in 2026?RAP uses total AGI (1-10%); IBR uses 10% of discretionary income. Which gives the lower payment depends on your income, family size and whether you want forgiveness.
2026-06-21 The SAVE plan is ending: what borrowers should doSAVE was vacated by the courts and is being wound down. Borrowers must move to IBR or RAP. Here is the timeline and how to choose.
2026-06-20 New borrower after July 1, 2026? Your only two repayment optionsIf your first federal loan is on or after July 1, 2026, you can use only the Repayment Assistance Plan (RAP) or the new tiered Standard plan. Here is how they compare.
2026-06-19 Does RAP count toward PSLF? Yes - here is howOBBBA made Repayment Assistance Plan (RAP) payments count toward Public Service Loan Forgiveness. With PSLF, forgiveness comes in 10 years instead of RAP's 30.
2026-06-18 2025-26 federal student loan interest ratesDirect Loan rates for loans disbursed July 1, 2025 - June 30, 2026: 6.39% undergraduate, 7.94% graduate, 8.94% PLUS. Fixed for the life of the loan.
2026-06-17