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Student Loan RAP Calculator

Estimate your monthly payment under the 2026 Repayment Assistance Plan (RAP), including interest subsidy and matching principal benefits, then compare it with Standard, IBR, and PAYE repayment plans.

Loan Details

Loan Balance

Interest Rate

Adjusted Gross Income (AGI)

Dependents Claimed

Loan Type

What Is the Repayment Assistance Plan (RAP)?

The Repayment Assistance Plan (RAP) is a federal student loan repayment program available beginning July 1, 2026. It replaces the SAVE (Saving on a Valuable Education) plan that was blocked by court injunctions in 2024. RAP introduces a tiered payment structure based on adjusted gross income (AGI), with a $50 monthly reduction for each dependent claimed by the borrower.

How RAP Replaces SAVE

After the SAVE plan was challenged in court, the Department of Education moved borrowers toward other legal repayment options while implementing RAP under the One Big Beautiful Bill Act. RAP uses total AGI rather than discretionary income.

RAP Payment Tiers (2026)

Adjusted gross income	Annual base payment
$0-$10,000	$120
$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
Over $100,000	10% of AGI

The monthly RAP payment is the annual base payment divided by 12, minus $50 per dependent, with a $10 minimum monthly payment. If the required monthly payment is less than monthly interest, unpaid interest is subsidized after an on-time payment. If the payment does not reduce principal by enough, the Department of Education applies a matching principal benefit of up to $50.

Eligibility

Direct Subsidized and Unsubsidized loans
Direct Grad PLUS loans
Direct Consolidation Loans that did not repay Parent PLUS loans
Parent PLUS loans and consolidation loans that repaid Parent PLUS loans are generally not eligible for RAP

RAP vs Other Repayment Plans

Standard 10-Year: Fixed payments over 120 months. Lowest total cost but highest monthly payment. No forgiveness.

IBR (Income-Based Repayment): 15% of discretionary income (AGI minus 150% of FPL). Forgiveness after 25 years. Generally higher payments than RAP for lower-income borrowers.

PAYE (Pay As You Earn): 10% of discretionary income (AGI minus 150% of FPL). Forgiveness after 20 years. Similar to RAP's higher tiers but without the graduated structure for lower incomes.

RAP (2026): Tiered from $120 to 10% of AGI based on income brackets. Forgiveness after up to 30 years. Payments are reduced by $50 per claimed dependent, subject to the $10 minimum monthly payment, with interest and principal benefits for borrowers who make full, on-time payments.

Important Considerations

RAP access began July 1, 2026, with online applications through StudentAid.gov
Forgiven loan balances may be subject to federal income tax (the tax-free forgiveness provision from the American Rescue Plan expires after 2025)
Annual income recertification is required for all income-driven plans
This calculator provides estimates only; contact your loan servicer for official payment amounts

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How to Use the Student Loan RAP Calculator

1
Enter your values
Open the Student Loan RAP Calculator and fill in the required input fields with your numbers or selections.
2
Review the calculation
The tool automatically computes the result as you type. Double-check your inputs to ensure accuracy.
3
Interpret your results
Review the calculated output along with any breakdowns, charts, or explanations provided to understand what the numbers mean for your situation.

Sources & Verification

U.S. Department of Education RAP Fact Sheet Federal Student Aid RAP Servicer Guidance

Published by ConvertCrunch Editorial Team | Our Methodology

Frequently Asked Questions

What is the Student Loan RAP Calculator?

The Student Loan RAP Calculator is a free browser-based tool on ConvertCrunch. Estimate your monthly payment under the 2026 Repayment Assistance Plan (RAP), including interest subsidy and matching principal benefits, then compare it with Standard, IBR, and PAYE repayment plans. It requires no downloads, installations, or account signups. Simply enter your values and get instant, accurate results. The tool is designed for quick calculations and informed decision-making, whether you are a professional, student, or everyday user looking for reliable answers.

How do I use the Student Loan RAP Calculator?

Using the Student Loan RAP Calculator is straightforward. Enter your values into the input fields provided on the page, then calculate or adjust parameters to explore scenarios. Most processing happens locally in your browser. If a feature uses a third-party service, the tool identifies that connection and the privacy policy explains it. Most users get the answers they need in under a minute.

Is the Student Loan RAP Calculator free to use?

Yes, the Student Loan RAP Calculator is completely free to use with no account signup, email requirement, or premium tier. Most calculations run locally in your browser. Features that depend on live data or a third-party service require a network connection and are identified in the tool. You can use it as many times as you need for personal, educational, or professional purposes.

How accurate is the Student Loan RAP Calculator?

The Student Loan RAP Calculator uses standard academic formulas and grading scales. Results depend on the accuracy of the information you enter. Grading policies, credit weighting, and academic standards vary by institution, so verify specific requirements with your school's registrar or academic advisor. This tool is designed for planning and estimation, not as an official academic record.

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