Disclaimer

The information, data and calculators on RepayPlan are provided for general informational purposes only and do not constitute financial, legal, tax or professional advice. Nothing here is a recommendation to choose any particular repayment plan, loan or product.

Federal student loan rules are changing in 2025-2026 under the One Big Beautiful Bill Act, and the final regulations for plans such as the Repayment Assistance Plan (RAP) are still being implemented. Figures here are estimates from public sources as of June 2026 and may be out of date or contain errors. Eligibility, payment amounts, forgiveness timelines and tax treatment depend on your specific loans and circumstances.

Our calculators reproduce published formulas but simplify real life (for example, they may not apply every cap or servicer rule). They are estimates, not official determinations of your payment.

Always verify your situation with your loan servicer and studentaid.gov, and consult a qualified financial or tax professional before making decisions. RepayPlan is not affiliated with the U.S. Department of Education, Federal Student Aid, or any loan servicer, and accepts no responsibility for any loss arising from reliance on the site.

Last updated: 2026-06-22