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Student loan plan chooser
Compare your payment on the Repayment Assistance Plan (RAP) with the 10-year standard plan.
Estimate, not advice. Plan rules for your loans are on studentaid.gov.
Common questions
How is the RAP payment calculated?
A percentage of adjusted gross income from 1% to 10%, divided by 12, minus $50 per dependent. The minimum is $10 a month.
When is the balance forgiven?
Remaining balances are forgiven after 30 years of RAP repayment.
Can everyone use RAP?
Eligible Direct Loans can. Parent PLUS loans cannot. Check studentaid.gov for your loan types.