Repayment Assistance Plan (RAP)
Calculator
Estimate your monthly payment under the new Repayment Assistance Plan using your income, dependents, and loan balance.
Calculate Your RAP Payment Now →How to Use This Calculator
The Repayment Assistance Plan (RAP) calculates your payment using a tiered percentage of your Adjusted Gross Income (AGI). A flat $50/month credit is applied per dependent, with a hard minimum floor of $10/month.
- 1Select your tax filing status — this determines which income to enter.
- 2Enter your Adjusted Gross Income (AGI). If Married Filing Jointly, use combined household income. If Married Filing Separately, use only your individual income.
- 3Enter the number of dependents living with you or under age 17. Each dependent reduces your payment by $50/month. (MFS filers: only count dependents you claim on your own return.)
- 4Enter your total outstanding loan balance (principal + accrued interest).
- 5If filing jointly and your spouse also has federal student loans, indicate this and enter their balance. The household payment will be prorated by each spouse’s share of total debt.
- 6Click “Calculate Payment” to see your estimated RAP monthly payment.
Calculate Your RAP Payment
Your Estimated RAP Payment
How Your Repayment Assistance Plan (RAP) Payment is Calculated
Your RAP payment is determined using three core components — a tiered income bracket, a dependent deduction, and a floor/cap mechanism.
1. Annual Base Payment (BP)
A tiered percentage of your AGI determines your annual base payment. The lower your income, the lower the percentage applied.
| AGI Range | Annual Base Payment |
|---|---|
| $0 – $10,000 | $120/yr (flat) |
| $10,001 – $20,000 | 1% of AGI |
| $20,001 – $30,000 | 2% of AGI |
| $30,001 – $40,000 | 3% of AGI |
| $40,001 – $50,000 | 4% of AGI |
| $50,001 – $60,000 | 5% of AGI |
| $60,001 – $70,000 | 6% of AGI |
| $70,001 – $80,000 | 7% of AGI |
| $80,001 – $90,000 | 8% of AGI |
| $90,001 – $100,000 | 9% of AGI |
| $100,001+ | 10% of AGI |
- AGI = Adjusted Gross Income (combined if Married Filing Jointly; individual if Married Filing Separately)
- Flat $120/year applies only to incomes at or below $10,000
2. Calculated Monthly Payment
The annual base payment is divided by 12, then reduced by $50 for each qualifying dependent.
- BP = Annual Base Payment from Step 1
- D = Number of dependents (living with borrower or under age 17)
- $50/month deduction per dependent — borrower does not count as a dependent
- MFS filers: Only count dependents you personally claim on your own separate tax return
3. Married Filing Jointly — Dual-Borrower Proration
If both spouses in an MFJ household have eligible federal student loans, the household payment is prorated based on each spouse’s share of total combined debt. This prevents double-charging.
- Household_M = the full household monthly payment from Step 2
- Total_Household_Balance = Borrower’s balance + Spouse’s balance
- Example: If household payment is $500/mo, borrower owes $30k, spouse owes $20k → borrower’s share = 60% → $300/mo
- Each spouse’s prorated payment still has a $10/month minimum floor
- This step only applies to MFJ filers where both spouses have eligible loans
4. Final Monthly Payment (M)
The final payment is capped between a hard floor of $10 and the borrower’s outstanding loan balance.
- Hard minimum: $10/month — RAP has no $0 payment option unlike IBR
- Total_Balance = outstanding principal + accrued interest
- If calculated payment exceeds the outstanding balance, payment equals the balance
- RAP has no upper income cap — high earners may owe thousands per month
Your monthly Repayment Assistance Plan (RAP) payment is based on your Adjusted Gross Income (AGI), family size, and student loan balance. RAP applies a tiered percentage to your income, subtracts a $50 monthly credit for each qualifying dependent, and then applies a minimum payment floor of $10 per month. If you file taxes jointly and both spouses have federal student loans, the household payment is prorated based on each spouse’s share of the total loan balance.
The minimum RAP payment is $10 per month. Unlike Income-Based Repayment (IBR), RAP does not allow a $0 monthly payment, even for borrowers with very low incomes. If your calculated payment falls below $10 after dependent credits are applied, your required payment will still be $10 per month.
For married borrowers, RAP uses your tax filing status to determine whose income is included. If you file Married Filing Jointly (MFJ), your combined household income is used to calculate the monthly payment. If both spouses have eligible federal student loans, the payment is divided proportionally based on each spouse’s share of the total household student debt. If you file Married Filing Separately (MFS), only your individual income and the dependents you personally claim are used.
The Repayment Assistance Plan (RAP) is scheduled to become available on July 1, 2026, as part of the changes created by the One Big Beautiful Bill Act. Borrowers who enroll in RAP will have their monthly payments calculated under the new formula rather than under existing income-driven repayment plans.
Yes. Payments made under the Repayment Assistance Plan are expected to count toward eligibility for the federal Public Service Loan Forgiveness (PSLF) program, provided you meet all other PSLF requirements. This generally includes working full-time for a qualifying employer and making qualifying monthly payments while employed in eligible public service. Borrowers pursuing PSLF should continue to certify their employment and monitor official guidance as RAP implementation begins.
