Pricing

No. Pro is unlocked with a license key you receive after checkout. Paste it into Raptally once on each browser you use.

No. Every plan reads any number of loans and compares them all; the free plan shows 3 income what-ifs, the first 5 years of the RAP schedule and the first 12 loans.

Yes. Cancel monthly and yearly plans anytime from the customer portal link in your receipt, and Pro stays active until the end of the paid period. The 7-day pass never renews.

If Raptally can't read your file or applies a rule incorrectly, email service.platform.bookings@gmail.com within 14 days of purchase for a full refund.

No. Your files are read by JavaScript in your browser tab and never sent to us or anyone else. Loans aren't stored, so closing the tab clears them. Settings can be saved in this browser if you ask.

It reads your federal loan list, applies the July 2026 repayment rules — the Repayment Assistance Plan (RAP), Income-Based Repayment (IBR), the 10-year Standard plan and the new Tiered Standard plan — and simulates each one month by month with your income, so you see the payment, total paid, forgiveness and the tax on forgiveness, and which plan costs least.

1% of AGI from $10,000 to $20,000, rising 1 point per $10,000 to 10% above $100,000 ($120 a year at $10,000 or less), divided by 12, minus $50 per dependent, never below $10. If a payment doesn't cover the month's interest, the rest is waived; if it pays down less than $50 of principal, the government adds the difference up to $50. Forgiveness after 360 qualifying payments (20 U.S.C. 1087e(q)).

15% of AGI above 150% of the poverty line for your family size (10% if your first loan was on or after July 1, 2014), capped at the 10-year Standard payment, with forgiveness after 25 years (20 for new borrowers). IBR is closed to anyone who takes a new loan on or after July 1, 2026 (20 U.S.C. 1098e).

SAVE ended after the court ruling. Servicers are sending notices with 90 days to pick a plan and a 30-day final reminder; if you don't choose, you are placed in a plan for you — check your notice. Raptally helps you choose; the choice itself is made on studentaid.gov.

IDR forgiveness after 20–30 years counts as federal income again from 2026 (the ARPA exclusion ended after 2025); Raptally adds an estimate at your tax rate. PSLF forgiveness is tax-free.

Importing any number of loans, the full plan comparison with the lowest total cost, every flag, 3 income what-ifs, 5 years of the RAP schedule and 12 loans on screen and in print (with a footer). Pro shows and prints everything and adds the Excel and CSV exports.

ICR and PAYE (closing by July 1, 2028), Graduated and Extended plans, the IBR time already credited on your account, recertification gaps, state taxes, private loan refinancing and Parent PLUS double-consolidation. It uses your current balance and one weighted rate. Check with the Loan Simulator on studentaid.gov.

No. Raptally applies the rules it describes to the numbers you provide. It is an estimate to plan with, not affiliated with the Department of Education or any servicer.