Repayment Assistance Plan (RAP) Calculator
Estimate your monthly payment under the Repayment Assistance Plan using AGI, claimed tax dependents, filing status, and—when applicable—each spouse’s eligible federal loan balance. This is an estimate, not a servicer quote or eligibility decision.
Estimate a Repayment Assistance Plan payment, including the dependent deduction and joint-filer spouse-loan allocation, then optionally estimate monthly balance assistance and screen major loan-type warnings.
How This Estimate Was Calculated
RAP starts with an annual base tied to adjusted gross income. Income of $10,000 or less uses a $120 annual base. Above $10,000, the base rises from 1% through 10% of AGI across the rule’s income bands. The calculator divides that annual base by 12 and subtracts $50 for each claimed dependent.
For a joint filer whose spouse also has eligible federal loans, the calculator next multiplies the household amount by the borrower’s share of the couple’s combined eligible balances. It applies the $10 minimum after that allocation. The calculation keeps full precision through allocation and rounds only the final estimate to cents because the final rule does not state an intermediate rounding convention.
What Loan Balance Changes—and What It Does Not
Loan balance does not normally set the RAP income-based payment. When two joint filers have eligible debt, their principal-plus-interest balances determine each spouse’s share. The optional balance-effects detail separately asks for the borrower’s outstanding principal, excluding accrued interest, to estimate monthly interest, an unpaid-interest waiver, matching principal assistance, and monthly principal reduction.
Those balance effects assume the required payment is made on time. Paying ahead in a way that advances the due date can create a period without a payment due and can prevent the interest and principal assistance for that period.
Before You Rely on the Estimate
Confirm the AGI, dependents, and outstanding eligible-loan balances used by the official calculation. Parent PLUS debt, some consolidations that repaid Parent PLUS debt, FFEL loans, Perkins loans, and private loans require separate review and may not be repayable under RAP.
For a broader explanation of plan access, benefits, and risks, read the RAP overview. For spouse-income detail, use the spouse-income guide. Confirm the official result with the Federal Student Aid Loan Simulator and your servicer.
Other RAP Decisions
This page estimates RAP by itself. If you need a starting-payment comparison, use the IBR-vs-RAP calculator or the RAP-vs-Tiered Standard calculator. For Public Service Loan Forgiveness strategy, use the RAP and PSLF guide.
Sources and Limitations
The controlling calculation is in 34 C.F.R. § 685.209 as amended by the RISE final rule, 91 Fed. Reg. 23768, effective July 1, 2026. This calculator does not retrieve tax or loan data, determine eligibility, verify official payment credit, predict future income, or replace an official servicer calculation.
RAP Calculator FAQs
RAP selects an annual base from your AGI band, divides it by 12, and subtracts $50 for each claimed tax dependent. If joint income and eligible spouse debt are included, the household amount is multiplied by your share of the couple's eligible balances. This estimator applies the $10 minimum after those steps and does not estimate a final payoff amount.
Enter joint AGI when you filed a joint federal return, unless you qualify for the separated or unable-to-access-spouse-income treatment. Enter borrower-only AGI when single, filing separately, or using that limited treatment. AGI is usually on Form 1040, line 11.
Yes. After the dependent deduction and any required spouse-debt allocation, this estimator adjusts a calculated RAP payment below $10 to $10. It does not treat a general loan balance as a final payoff amount.
RAP subtracts $50 per month for each dependent claimed on the federal tax return used for the calculation. The rule uses tax-return dependents, not the broader family-size definition used by some other income-driven plans.
A joint return generally brings in combined AGI. When both spouses have eligible federal loans, the household amount is allocated by each spouse's share of the couple's eligible balances. Filing separately generally uses borrower-only income and does not use spouse-loan allocation.
The official result can differ because of the income record, dependent count, loan eligibility, outstanding principal and interest used for spouse allocation, timing, or servicer rounding. This calculator does not retrieve federal records or make an eligibility decision.
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