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RAP payment estimator

Written by Ryan Smith, DDS (draft)Expert review pendingUpdated Sep 26, 2026

Your monthly payment under the Repayment Assistance Plan, how much interest it waives, and where the balance ends up after 30 years. It runs in your browser and stores nothing.

Your income
From your last tax return. Filing jointly counts your spouse’s income; filing separately doesn’t.
Your federal loans
Your RAP payment

Enter your numbers

    Compare RAP with PSLF and refinancingHow RAP works

    RAP brackets

    AGIShare of AGIMonthly, no dependents

    The percentage applies to your whole AGI, not just the part above each line. Minus $50 a month per dependent; at least $10 a month.

    Your RAP payment vs the interest on $300,000

    Monthly RAP payment by income (no dependents), against the $2,018 of interest a $300,000 balance at 8.07% builds each month.

    $0$500$1,000$1,500$2,000$2,500$50k$100k$150k$200k$250k$300kAdjusted gross incomeWaived while you payMonthly interest, $2,018

    Below about $242,100 of income, RAP doesn’t cover the interest, and the gap is waived.

    Show the numbers
    Income (AGI)RAP payment a month
    $25,000$42
    $50,000$167
    $75,000$438
    $100,000$750
    $125,000$1,042
    $150,000$1,250
    $175,000$1,458
    $200,000$1,667
    $225,000$1,875
    $250,000$2,083
    $275,000$2,292
    $300,000$2,500

    RAP: 1%–10% of total AGI, divided by 12, minus $50 per dependent, at least $10. Rules as of Sep 26, 2026.

    How this works, and what it leaves out
    • Payment: 1% to 10% of total AGI by $10,000 bracket, divided by 12, minus $50 per dependent, at least $10 a month (Repayment Assistance Plan, from July 1, 2026).
    • When a payment doesn’t cover the month’s interest, the rest is waived. If a payment lowers principal by less than $50, the government matches up to $50.
    • Forgiveness after 360 qualifying payments is taxed as income. With PSLF, forgiveness after 120 payments is tax-free.
    • Your AGI grows at the rate you set, and RAP is recalculated yearly. It doesn’t model a spouse’s loans, deferment or forbearance.
    • Rules as of Sep 26, 2026. General education, not advice for your situation.