Student loans2 min read · Updated October 19, 2026
Student loan payment under RAP on a $45,000 income
What the Repayment Assistance Plan asks you to pay each month at $45,000 adjusted gross income, and how it compares with a standard plan.
RAP at this income
| Dependents | Monthly payment |
| 0 | $150 |
| 1 | $100 |
| 2 | $50 |
How RAP is set
Your payment is a percentage of adjusted gross income, from 1% to 10% as income rises, with a $10 monthly minimum. It does not depend on your balance.
Check the rules
RAP applies to loans first disbursed from 1 July 2026 and is open to some older borrowers. Confirm your plan options on studentaid.gov.
Common questions
What is the RAP payment on $45,000?
About $150 a month with no dependents.
Does RAP depend on my balance?
No. It follows your income and dependents.