R RAP Loan DeskStudent loans under the new Repayment Assistance Plan.
Español Go ad-free

RAP Student Loan Calculator

See your monthly payment, payoff time and forgiveness under the new Repayment Assistance Plan.

🔒 Everything is calculated in your browser. Your numbers never leave your device.

Your loans

Your income

Starting RAP payment$217/mo10-year standard plan: $511/mo
Time to payoff17.6 yearsNo forgiveness needed
Total paid (RAP)$75,202Standard: $61,316
Government match$7,551Up to $50/mo of principal

Loan balance under RAP

$0k$11k$23k$34k$45k047111418
RAP
  • Estimate of the 2026 RAP plan: payment = AGI × 1%–10% by $10,000 band, minus $50/month per dependent, $10 minimum. Forgiveness after 30 years. Simplified model; not a substitute for the official Federal Student Aid simulator.

How it works

  1. Enter your federal loan balance and weighted interest rate.
  2. Enter your adjusted gross income and expected raises.
  3. Add dependents.
  4. Compare RAP with the 10-year standard plan.

How RAP sets your payment

Your payment is a share of adjusted gross income, from 1% to 10% in $10,000 steps, reduced by $50 per month for each dependent, with a $10 minimum. Remaining balances are forgiven after 30 years of payments.

Interest and principal help

Unpaid interest is not added to your balance, and the government matches principal you pay, up to $50 a month. That keeps balances from growing on low incomes.

Frequently asked questions

Is this the official calculator?

No. It is a simplified estimate. Use Federal Student Aid tools for official figures.

Who can use RAP?

Eligibility depends on loan type and date. Check studentaid.gov.

Does it include spouse income?

Enter the AGI that applies to you. Joint filing rules can change it.

Is my data saved?

Only in your browser. Nothing is sent to a server.