🔒 All inputs are processed locally in your browser. Nothing is transmitted, stored, or logged. Inputs disappear when you close the tab.
⚡ OBBBA 2025 — Effective July 1, 2026 Under the One Big Beautiful Bill Act, new Direct Loan borrowers are enrolled in the Repayment Assistance Plan (RAP) by default — not the Standard Plan. RAP uses a 1–10% of AGI sliding scale, $10/month floor, and 30-year forgiveness. This engine models both plans across your full repayment horizon so you can make the right choice.

#101 · AL · 108 · Student Finance & Debt

RAP vs. Standard Decision Engine

Model the Repayment Assistance Plan (RAP) against the Standard 10-year plan — monthly payment, total cost, forgiveness amount, and PSLF path — for your specific loan and income situation.

⚖ Legal & Policy Notice Based on OBBBA 2025 (P.L. 119-21) statutory RAP parameters, effective July 1, 2026. RAP income brackets use reported sliding scale; final implementation guidance from the U.S. Department of Education may refine exact breakpoints. Applies to new Direct Loan borrowers on or after July 1, 2026. Pre-existing borrowers enrolled in SAVE will be transitioned; verify your status at studentaid.gov. This tool does not constitute financial or legal advice.
Loan Details
2025–26 direct unsubsidized: 6.54% undergrad, 8.08% grad
Income & Household
Used to project RAP payments over time. Higher growth = higher RAP payments later.
Balance Projection — Year by Year
Full Comparison Detail
Metric RAP (30-yr) Standard (10-yr)
PSLF Eligibility Inputs
PSLF requires 120 qualifying payments on a qualifying plan while employed full-time at a qualifying employer. RAP qualifies.
About PSLF + RAP

Public Service Loan Forgiveness cancels the remaining balance on your Direct Loans after 120 qualifying monthly payments while working full-time for a qualifying employer. RAP qualifies for PSLF under OBBBA 2025. PSLF forgiveness is tax-free.

Qualifying employers: Federal, state, local, tribal government; qualifying 501(c)(3) non-profits; AmeriCorps; Peace Corps.

Qualifying plans: RAP, IBR, PAYE, ICR, and Standard 10-year. Graduated and Extended plans do NOT qualify. RAP added as qualifying plan per OBBBA 2025.

Policy Mandate Inbound — Load from AL-13 / AL-17

Paste a Policy Mandate from another Apex Logics tool to pre-fill your loan details.