Student Loan Secrets

RAP vs IBR vs Tiered Standard

SAVE is not offered. If RAP or IBR is clearly safer for you, especially for PSLF, keep the federal loan and use StudentAid.gov.

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Available plan estimates

Repayment Assistance Plan (RAP)

$166.67 per month

30-year forgiveness horizon (estimate)

  • First-year monthly payment estimate. Actual payments change with income.
  • Unpaid interest may be subsidized. A principal match of up to 50 dollars may apply in some months.
  • RAP payments can count toward PSLF.

Tiered Standard Plan

$392.00 per month

15-year fixed term

  • Payments under the Tiered Standard Plan do not count toward PSLF. Source: https://studentaid.gov/articles/save/
  • Minimum monthly payment on this plan is 50 dollars.

Not available for these inputs

  • ibr: If all of your loans were first disbursed on or after July 1, 2026, IBR is not available. RAP is the only IDR option.

Implement the Edfinancial table: a bracket includes its upper bound (for example, AGI of exactly 20000 uses 1 percent). CRI Student Aid published a table that places 20000 in the 2 percent band. Exact multiples of 10000 starting at 20000 are flagged in RULES_CHECK.md as UNVERIFIED because of that conflict. Tests should follow upper_inclusive and document the choice.

SAVE is not offered. A court order ended the SAVE Plan in March 2026.

If RAP or IBR looks like the safer path, especially for PSLF, keep the federal loan. Apply for federal plans on StudentAid.gov. This page does not push a refinance CTA.

Sources

Figures checked against official sources on November 12, 2026