Guides tagged RAP

Start here Forgiveness 7 August 2026 5 min read

Does RAP count toward PSLF? Yes, but one plan does not

RAP qualifies for Public Service Loan Forgiveness. The Tiered Standard Plan does not, and choosing it stops your clock. How to avoid the mistake.

Start here Repayment plans 7 August 2026 8 min read

Repayment Assistance Plan (RAP) explained

How RAP calculates your student loan payment, what it forgives after 30 years, and which borrowers end up worse off under it than the plan they left.

Start here Rule changes 7 August 2026 5 min read

SAVE plan ended: what to do next

Seven million borrowers are moving off SAVE, each with a 90-day deadline. A step-by-step guide to choosing before your servicer chooses for you.

Repayment plans 7 August 2026 5 min read

RAP vs IBR: which costs you less?

For most borrowers with access to both, IBR gives a lower monthly payment than RAP at the same income. The math, the exceptions, and how to check yours.