About RAP Student Loan Calculator

Our Mission

rapstudentloan.com provides free, easy-to-use calculators and educational resources for the new Repayment Assistance Plan (RAP) created by the One Big Beautiful Bill Act (P.L. 119-21). Our goal is to help the 42.7 million federal student loan borrowers understand how RAP affects their monthly payments and make informed decisions about their repayment strategy.

RAP takes effect on July 1, 2026, and replaces the SAVE plan as the primary income-driven repayment option. We built this site because navigating the new repayment landscape can be confusing, and borrowers deserve clear, accurate tools to plan ahead.

What We Offer

• RAP Calculator — Estimate your monthly payment based on your AGI, dependents, and filing status.
• RAP vs IBR Comparison — See which income-driven plan gives you a lower payment.
• RAP vs Refinancing — Compare federal RAP benefits against private refinancing options.
• Eligibility Checker — Find out if your loans qualify for RAP and whether consolidation is needed.
• Educational Guides — In-depth articles on RAP forgiveness, PSLF, interest subsidies, filing status strategies, and more.

How Our Calculators Work

All calculations run entirely in your browser — we never collect or store your financial information. Our formulas are based on the publicly available text of the One Big Beautiful Bill Act and official federal student loan repayment guidelines.

Calculator results are estimates only. Your actual payment may vary based on your loan servicer's implementation, tax filing details, and other factors. Always confirm with your loan servicer before making repayment decisions.

Important Notice

rapstudentloan.com is an independent educational resource. We are not affiliated with the U.S. Department of Education, Federal Student Aid, or any government agency. We do not service loans or have access to your loan account information.

The information on this site is for general educational purposes only and does not constitute financial, legal, or tax advice. Please consult a qualified professional for advice specific to your situation.

Contact

Have questions, feedback, or suggestions? We'd love to hear from you. Reach us at contact@rapstudentloan.com.