Plan Comparison
Compare your estimated payments across all three federal repayment plans side by side.
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Plan-Specific Inputs
IBR Plans (New & Original)
150% FPL threshold: $23,475
RAP (Repayment Assistance Plan)
Deduction: $0/mo (0 × $50)
2025 FPL (150%) by Family Size
1 person ✓$23,475
2 persons$31,725
3 persons$39,975
4 persons$48,225
5 persons$56,475
6 persons$64,725
NEW
RAP
$166.67/mo
30 years · $60,000 total
LEGACY
New IBR (10%)
$221.04/mo
240 months · $53,050 total
LEGACY
Orig. IBR (15%)
$331.56/mo
125 months · $41,445 total
Monthly Payment
Estimated Total Paid
| Metric | RAP | New IBR | Orig. IBR |
|---|---|---|---|
| Monthly Payment | $167 | $221 | $332 |
| Monthly Interest | $163 | $163 | $163 |
| Repayment Term | 360 mo (30 yr) | 240 mo (20 yr) | 125 mo |
| Total Paid | $60,000 | $53,050 | $41,445 |
| Forgiven Balance | $12,000 | $1,290 | None |
| Interest Waiver | |||
| Principal Matching | |||
| Forgiveness Taxable | Yes | Likely | Likely |
| Payment Basis | % of total AGI | 10% of discret. income | 15% of discret. income |
| Discretionary Income | N/A (AGI-based) | $26,525 | $26,525 |
Green = most favorable Amber = least favorable