RAP Calculator 2026: Your Repayment Assistance Plan Payment

Enter your AGI and balance: you’ll see your payment on RAP, on IBR, and on the plan you get if you don’t choose, using the 2026 federal formulas.

Your numbers

Five quick answers. Nothing you type leaves this page.

Adjusted gross income (AGI)

Form 1040, line 11a on 2025 returns (line 11 on 2024). Filing jointly? Use the joint AGI.

Your federal student loan balance

All Direct Loans, from your studentaid.gov dashboard.

Tax filing status

Dependents you claim

Children or others on your tax return.

Working toward PSLF?

Full-time for a government or nonprofit employer.

Refine your estimate: interest rate, state, loans before 2014, payments made

Average interest rate

Not sure? Leave 6.5%.

Where you live

Federal loans before July 1, 2014?

Decides whether IBR takes 10% or 15%.

Qualifying payments already made

Optional. Months counted so far.

Where do I find my AGI?

Form 1040 for 2025: adjusted gross income (AGI) is on line 11a

Your three lanes

Showing an example borrower: $55,000 income, single, $38,000 at 6.5%. Enter your numbers to see yours.

Lowest payment

RAP

Repayment Assistance Plan

$229/mo

5.0% of your monthly income

Length: Forgiven after 30 yrs
Counts toward PSLF: Yes
Can switch later: Never back to IBR
Deadline to choose: Open any time

IBR

Income-Based Repayment

$259/mo

5.7% of your monthly income

Length: Forgiven after 20 yrs
Counts toward PSLF: Yes
Can switch later: Yes, to RAP
Deadline to choose: Before July 1, 2028

Do nothing

Standard plan, assigned automatically

$431/mo

9.4% of your monthly income

Length: Paid off in 10 yrs
Counts toward PSLF: Yes
Can switch later: Yes
Deadline to choose: Automatic after your deadline

Or $331/mo on Tiered Standard (15 yrs, no PSLF credit).

Estimates from the 2026 federal formulas. Your servicer calculates the official amount.

How the RAP payment is calculated

Take your AGI (both spouses’ if you file jointly) and apply a rate by bracket: 1% from $10,000 to $20,000, one point more for every $10,000, up to 10% above $100,000.¹
Divide by 12 and subtract $50 a month for each dependent.¹
The minimum payment is $10 a month.¹

On top of that, if your payment doesn’t cover the month’s interest, the rest of the interest is waived, and if your principal drops by less than $50 in a month, the government makes up the difference up to $50. After 360 payments (30 years), what’s left is forgiven, and that forgiveness is federally taxable.^1,2

RAP payment table by income

AGI	RAP rate	RAP, single	RAP, couple + 2 kids	IBR, couple + 2 kids
$25,000	2%	$42	$10	$0
$40,000	3%	$100	$10	$0
$55,000	5%	$229	$129	$46
$75,000	7%	$438	$338	$213
$100,000	9%	$750	$650	$421

Estimates with a $40,000 balance, loans after 2014, a joint return for the couple, and a spouse with no loans.

Look at the last column: with kids and a joint return, IBR is often cheaper than RAP because it protects 150% of your household’s poverty line.³ RAP vs IBR: which is right for you.

RAP if you’re married

File jointly and RAP uses both incomes. File separately and it uses only yours, which can cut the payment a lot in exchange for higher taxes. If you both have loans and file jointly, the household payment is split by what each of you owes.² Married filing separately on RAP or IBR.

Frequently asked questions

What is the minimum RAP payment?

$10 a month, even on a very low income.

Does RAP count my spouse’s income?

Only if you file taxes jointly. If you file separately, RAP uses your AGI alone.

How long is RAP?

Up to 360 payments (30 years). Whatever is left is then forgiven, and that forgiveness is federally taxable. With PSLF, forgiveness comes after 120 payments, tax-free.

RAP calculator (Repayment Assistance Plan)