Terms of Service

Acceptance of Terms

By accessing and using rapstudentloan.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Site.

Description of Service

The Site provides free student loan calculators and educational content related to the Repayment Assistance Plan (RAP) and other federal student loan repayment options. All tools and content are provided for informational and educational purposes only.

Not Financial Advice

The information, calculators, and tools on this Site do not constitute financial, legal, tax, or professional advice. The results produced by our calculators are estimates based on the publicly available text of the One Big Beautiful Bill Act (P.L. 119-21) and publicly available federal repayment guidelines.

Your actual student loan payments may differ based on your loan servicer's calculations, specific loan terms, tax circumstances, and other individual factors. Always consult with your loan servicer or a qualified financial professional before making repayment decisions.

Accuracy of Information

We strive to provide accurate and up-to-date information. However, we make no warranties or representations about the accuracy, completeness, or timeliness of any information on the Site. Federal student loan policies are subject to change, and there may be a delay between policy updates and corresponding updates to our content.

No Government Affiliation

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

Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Attempt to gain unauthorized access to the Site or its systems
• Interfere with the proper functioning of the Site
• Use automated tools to scrape or extract content without permission

Intellectual Property

All content on the Site, including text, graphics, logos, and calculator tools, is the property of rapstudentloan.com and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission.

Third-Party Links

The Site may contain links to third-party websites, including affiliate links to student loan refinancing companies and other financial services. We are not responsible for the content, accuracy, or privacy practices of these third-party sites. Clicking on a third-party link is at your own risk.

Limitation of Liability

To the fullest extent permitted by law, rapstudentloan.com and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, the Site or its content. This includes, but is not limited to, damages resulting from reliance on calculator results or information provided on the Site.

Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes acceptance of the revised terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Contact Us

If you have questions about these Terms of Service, please contact us at contact@rapstudentloan.com.