Plans›RAP

Tiered 1–10% of AGI · 30 yr forgiveness · launches 2026-07-01

Repayment Assistance Plan

P.L. 119-21 §3·2026-04-22Launches 2026-07-01
RAP rules are still being clarified by the Department of Education. Tier breakpoints below reflect the OBBBA statute as enacted; ED implementing regulations may refine them. Verify the current text on congress.gov (P.L. 119-21).
P.L. 119-21 (One Big Beautiful Bill Act)· Last verified 2026-04-22· congress.gov · P.L. 119-21
Formula

Tiered percentage of AGI (1% under $10K, scaling to 10% over $150K).

Forgiveness term
30 years
PSLF-compatible

The tiered formula

AGI bracket
% of AGI
Approx monthly
< $10,000
1%
$8
$10K – $20K
2%
$25
$20K – $30K
3%
$63
$30K – $40K
4%
$117
$40K – $50K
5%
$188
$50K – $60K
6%
$275
$60K – $80K
7%
$408
$80K – $100K
8%
$600
$100K – $150K
9%
$938
$150K +
10%
$1,250+

Best for

  • Borrowers with AGI under ~$60K who want the lowest possible monthly payment.
  • Borrowers not pursuing PSLF (RAP's 30-year term > PSLF's 10-year).
  • Borrowers comfortable with a longer forgiveness horizon and the federal tax-bomb risk.

Not for

  • PSLF-track borrowers — IBR or PAYE-equivalent reaches forgiveness in 10 years instead of 30.
  • Borrowers expecting AGI > $150K through the term — top tier (10%) approaches Standard.

Run your numbers through the comparator to see RAP next to all alternatives.

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