Guides

• The RAP Payment Formula, Step by Step — How the Repayment Assistance Plan turns your AGI into a payment: the brackets, the dependent reduction, the $10 minimum, the interest waiver and the principal match.
• IBR After July 2026: Who Can Still Use It — IBR stays for existing borrowers, loses its partial-financial-hardship test, and closes to anyone who takes a new loan from July 1, 2026.
• PSLF: RAP or IBR for the Lowest Payments? — Both count for Public Service Loan Forgiveness. With forgiveness at 120 payments tax-free, the plan with the lowest payments usually wins.

Tools

• RAP or IBR: which one costs you less?
• Your RAP payment, worked out from the law
• SAVE is ending. What will you pay next?

Comparisons

• Before you pay $495 for a student loan consult