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.
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Open the Student Loan RAP Calculator and fill in the required input fields with your numbers or selections.
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The tool automatically computes the result as you type. Double-check your inputs to ensure accuracy.
Interpret your results
Review the calculated output along with any breakdowns, charts, or explanations provided to understand what the numbers mean for your situation.
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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.