IBR vs RAP: Which Plan Should You Choose?
IBR and RAP calculate payments completely differently — and choosing the wrong one could cost you thousands or add years to your timeline. Here’s how to figure out which plan wins for your situation.
Latest Posts in IBR
The High Earner’s Guide to PSLF: Income Limits, Strategy, and Whether It’s Worth It
Many high earners assume their salary disqualifies them from PSLF. It doesn’t — but a six-figure income does change the math significantly. Here’s what physicians, senior federal employees, and other high earners need to know about repayment plans, the IBR cap, and whether PSLF is actually worth it.
Parent PLUS Loan Forgiveness Is Ending in 2026 — Why Waiting Could Lock You Out
Parent PLUS borrowers face a permanent forgiveness lockout under new federal law. Waiting until the “official” deadline could backfire due to processing delays and rule changes. Here’s what parents need to know — and why acting early matters.
IBR vs. 10-Year Standard Repayment: When the Standard Plan Is the Better Choice
The Standard Repayment Plan isn’t always the “bad” option. For borrowers with smaller balances and higher incomes, it can cost less and eliminate debt faster than IBR. Here’s how to decide which plan actually fits your situation.
The Future of IDR Plans: What’s Happening to SAVE, PAYE, IBR, and ICR in 2025
Ongoing legal challenges and regulatory changes have significantly impacted Income-Driven Repayment (IDR) plans, leaving borrowers uncertain about the best strategies for managing their student loans. This article provides the most current information to help borrowers navigate these complexities.
Should I Switch Out of the SAVE Plan?
With the SAVE plan ending, borrowers in administrative forbearance need to act fast. Switching to IBR, ICR, or PAYE resumes forgiveness progress, prevents balances from growing, and may preserve temporary tax-free treatment for those who’ve already reached the 20- or 25-year forgiveness threshold. Learn what steps to take before December 31, 2025.
SAVE Lawsuits: Current Status, Next Steps, and Tips for Borrowers Navigating the Chaos
Uncover the details of the SAVE litigation, from court rulings to potential scenarios, and get essential advice for managing your student loans.
4 Ways to Save for Retirement AND Eliminate Student Loan Debt
Some advanced student loan repayment strategies allow borrowers to eliminate student debt and contribute to retirement accounts like a 401(k) or IRA.
PAYE vs IBR After SAVE: How to Choose Your Next Student Loan Plan
The SAVE repayment plan has been officially vacated, and borrowers must transition to a new repayment option. For most, the choice is now a three-way comparison between PAYE, IBR, and the new RAP plan—income-driven options that differ significantly in flexibility, eligibility, and long-term stability. This guide explains how these plans function following the March 2026 court ruling, how the July 2026 launch of the RAP plan affects your choices, and how to select a path that protects your forgiveness progress without guessing your future income.
