PSLF: RAP or IBR for the Lowest Payments?

Payments under RAP and IBR both qualify for PSLF (studentaid.gov). After 120 qualifying payments while working full time for a qualifying employer, the rest is forgiven tax-free. Raptally's PSLF mode counts the payments you've already made and totals what you'd pay until 120 on each plan.

Last reviewed 2026-10-29. General information, not financial advice. studentaid.gov, your servicer and the Loan Simulator come first.