About RAP Student Loan Calculator
Our Mission
rapstudentloan.com exists to help the 42.7 million federal student loan borrowers understand how the Repayment Assistance Plan (RAP) affects their monthly payments and make informed decisions about their repayment strategy.
RAP, created by the One Big Beautiful Bill Act (P.L. 119-21), takes effect on July 1, 2026, and replaces the SAVE plan as the primary income-driven repayment option. Navigating the new repayment landscape can be confusing — we built this site to give every borrower access to clear, accurate, and free tools to plan ahead.
Our Editorial Process
Accuracy is our top priority. Every calculator and guide on this site is grounded in primary sources:
- Payment formulas are derived directly from the statutory text of P.L. 119-21 (One Big Beautiful Bill Act), including the 11 AGI-based brackets, dependent deductions, interest subsidy provisions, and forgiveness timeline.
- Federal loan program details (eligibility, PSLF requirements, consolidation rules) reference official guidance from Federal Student Aid (studentaid.gov).
- Poverty level data used in IBR calculations comes from the 2026 HHS Federal Poverty Guidelines.
We review and update our content whenever new regulations, servicer guidance, or legislative changes are published. If you spot an error, please let us know — we take corrections seriously.
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 Us
Have questions, found an error, or want to suggest an improvement? We'd love to hear from you.
Email: contact@rapstudentloan.com
We typically respond within 1–2 business days. For urgent loan-related questions, please contact your loan servicer or visit studentaid.gov.
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