Estimate your monthly payment under the 2026 Repayment Alternative Plan (RAP) and compare it with Standard, IBR, and PAYE repayment plans. Includes tiered payment rates, forgiveness estimates, and full amortization.
Last updated: March 1, 2026
Estimate your monthly payment under the 2026 Repayment Alternative Plan (RAP) and compare it with Standard, IBR, and PAYE repayment plans. Includes tiered payment rates, forgiveness estimates, and full amortization. Thi…
Yes. It is completely free with no signup required, no limits, and no hidden charges. It runs entirely in your browser.
Your data is processed entirely in your browser and never sent to any server. Nothing is stored or shared — your privacy is guaranteed.
No. The tool works instantly with no registration or account required.
Yes. The tool is fully responsive and works on smartphones, tablets, and desktop browsers.
Australia Grade Calculator
Calculate your Australian university GPA on the 7-point or 4.0 scale. Supports HD, D, CR, P, F grades and WAM calculations.
Brazil Grade Calculator
Calculate your Brazilian university grade average (CR/IRA) on the 0–10 scale. Supports the grading system used by Brazilian universities.
Canada GPA Calculator
Calculate your Canadian GPA on the 4.0 or 4.3 scale. Supports letter grades used across Canadian universities and colleges.
Citation Generator (APA, MLA, Chicago)
Generate APA 7th, MLA 9th, and Chicago 17th citations from manual input. Supports books, journals, websites, and conference papers.
Eisenhower Matrix
Interactive urgent/important priority grid. Add tasks, drag between quadrants, and visualize where your time should go.
Flowtime Technique Timer
Flexible focus timer that adapts to your rhythm. Work until you naturally need a break, then rest proportionally. Tracks sessions and focus stats.
France Grade Calculator
Calculate your French university grade average (moyenne) on the 0–20 scale. Supports ECTS credit weighting and mention classifications.
Germany Grade Calculator
Calculate your German Notendurchschnitt (grade average) on the 1.0–5.0 scale. Supports ECTS credit weighting for German universities.
The Repayment Alternative Plan (RAP) is a new federal student loan repayment program set to launch in July 2026. It replaces the SAVE (Saving on a Valuable Education) plan that was blocked by court injunctions in 2024. RAP introduces a tiered payment structure based on your income relative to the Federal Poverty Level (FPL), with rates ranging from 1% to 10% of discretionary income.
After the SAVE plan was challenged in court, the Department of Education developed RAP as a legally restructured alternative that provides similar income-driven benefits while addressing the legal concerns raised. RAP maintains the core principle of affordable payments tied to income but uses a new tiered structure instead of a flat percentage.
| Income as % of FPL | Payment Rate |
|---|---|
| ≤150% | 1% of discretionary income |
| 150–200% | 2% |
| 200–250% | 3% |
| 250–300% | 4% |
| 300–400% | 5% |
| 400–500% | 7% |
| 500–600% | 9% |
| >600% | 10% |
Standard 10-Year: Fixed payments over 120 months. Lowest total cost but highest monthly payment. No forgiveness.
IBR (Income-Based Repayment): 15% of discretionary income (AGI minus 150% of FPL). Forgiveness after 25 years. Generally higher payments than RAP for lower-income borrowers.
PAYE (Pay As You Earn): 10% of discretionary income (AGI minus 150% of FPL). Forgiveness after 20 years. Similar to RAP's higher tiers but without the graduated structure for lower incomes.
RAP (2026): Tiered from 1–10% based on income brackets. Forgiveness after up to 30 years. Most beneficial for borrowers earning less than 300% of the Federal Poverty Level.