Disclaimer

General Disclaimer

The information provided on rapstudentloan.com is for general informational and educational purposes only. It is not intended to be and should not be construed as financial, legal, tax, or professional advice. You should not act or refrain from acting based on any information on this website without first seeking professional counsel.

Calculator Estimates

The calculators on this site produce estimates only. All calculations are based on the publicly available text of the One Big Beautiful Bill Act (P.L. 119-21) and publicly available federal student loan repayment guidelines. Actual payment amounts may differ due to:

• Your loan servicer's specific implementation and rounding methods
• Changes in your income, family size, or filing status
• Regulatory guidance or rule changes issued by the Department of Education
• Individual loan terms, interest accrual, and capitalization events
• State-specific tax implications

Always verify your payment amount with your federal loan servicer before making repayment decisions.

Not Financial Advice

Nothing on this website constitutes a recommendation to choose any particular repayment plan, refinance your loans, or take any specific financial action. Student loan repayment involves complex personal financial decisions that depend on your individual circumstances, including your income trajectory, career plans, tax situation, and other financial obligations.

We strongly recommend consulting with a qualified financial advisor, certified student loan counselor, or tax professional before making decisions about your student loan repayment strategy.

No Government Affiliation

rapstudentloan.com is an independent, privately operated website. We are not affiliated with, endorsed by, or connected to the U.S. Department of Education, Federal Student Aid (FSA), any federal loan servicer, or any government agency. We do not service loans, process enrollment applications, or have access to your loan account.

For official information about federal student loan repayment plans, visit StudentAid.gov.

Affiliate Relationship Disclosure

Some pages on this website contain affiliate links to third-party financial services, including student loan refinancing companies. This means we may receive a commission if you click on a link and subsequently take action (such as submitting an application) on the third-party website.

These affiliate relationships do not influence our calculator results or the educational content we provide. Affiliate links are clearly identified with appropriate disclosures. Any commission we earn comes at no additional cost to you.

Our affiliate partners may include companies such as SoFi, Credible, Splash Financial, and others. We only partner with companies we believe offer legitimate refinancing services, but we do not endorse or guarantee their products or services.

Accuracy and Timeliness

While we make every effort to keep our information accurate and up-to-date, federal student loan policies are subject to change. Legislative amendments, regulatory guidance, and court decisions may alter how RAP and other repayment plans work. There may be a delay between policy changes and updates to our content.

We do not guarantee the accuracy, completeness, or timeliness of any information on this website.

Limitation of Liability

rapstudentloan.com and its operators shall not be held liable for any losses, damages, or adverse outcomes resulting from the use of information, calculators, or tools provided on this website. This includes, without limitation, any financial losses resulting from reliance on calculator estimates or decisions made based on our content.

Contact Us

If you have questions about this disclaimer, please contact us at contact@rapstudentloan.com.