Repayment Assistance Plan (RAP)
The RAP replaces SAVE, PAYE, and ICR under the One Big Beautiful Bill Act (OBBBA). Payments are based on a percentage of your total AGI, with interest fully waived by the government.
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2025 Federal Poverty Level (150%)
Annual: $2,000
Government waives: $0.00/mo
Forgiveness at 30 years
Forgiven: $12,000 (taxable)
Principal Matching Applies: Your principal reduction is less than $50/month. The government will match the difference to ensure at least $50/month is applied to your principal.
Forgiveness Tax Notice: Under RAP, any forgiven balance after 30 years is treated as taxable income in the year of discharge. Consult a tax advisor.
Payment Breakdown
RAP Income Tier Reference Table
| AGI Range | Rate | Approx. Monthly Payment* |
|---|---|---|
| ≤ $10,000 | Fixed | $10/mo (fixed) |
| $10,001 – $20,000 | 1% | ~$13/mo |
| $20,001 – $30,000 | 2% | ~$42/mo |
| $30,001 – $40,000 | 3% | ~$88/mo |
| $40,001 – $50,000Your tier | 4% | ~$150/mo |
| $50,001 – $60,000 | 5% | ~$229/mo |
| $60,001 – $70,000 | 6% | ~$325/mo |
| $70,001 – $80,000 | 7% | ~$438/mo |
| $80,001 – $90,000 | 8% | ~$567/mo |
| $90,001 – $100,000 | 9% | ~$713/mo |
| More than $100,000 | 10% | Varies |
* Approximate monthly payment based on the midpoint of each income range. Actual payment = (AGI × Rate) ÷ 12, minus $50 per dependent child (minimum $10/month).