RAP Payments by Income: The Full Table, and the Cliffs Your Clients Will Hit
The complete Repayment Assistance Plan payment schedule by income, plus the bracket cliffs where a small AGI change raises a client’s monthly payment by hundreds.
Why RAP Balances Go Down: The Interest Waiver and the $50 Principal Match
Under RAP, on-time payers stop watching their balance grow. Here is how the interest waiver and the $50 monthly principal match work, with the numbers advisors can show clients.
Should I Consolidate My Student Loans?
For most borrowers, no. Consolidation will not lower your rate, and it no longer resets your forgiveness clock. But consolidating a Parent PLUS loan permanently locks you out of RAP.
Is Forgiven Student Loan Debt Taxable in 2026? What Advisors Need to Know
Starting in 2026, income-driven and RAP forgiveness is federally taxable again. PSLF stays tax-free. Here is what advisors should tell clients now.
How to Apply for RAP (Step-by-Step, 2026)
How to switch to the new Repayment Assistance Plan (RAP) in 2026: who should switch, the step-by-step enrollment process on studentaid.gov, when consolidation applies, and what to do after.
RAP Payment Calculator: What You Will Pay
Estimate your RAP payment under the new Repayment Assistance Plan starting July 1, 2026, then see your real number with verified math.
Signs You Are on the Wrong Repayment Plan
After July 1, 2026, many borrowers are on the wrong student loan repayment plan. Here are the warning signs and how to check your real numbers.
July 1 Student Loan Changes, Explained Simply
The July 1, 2026 student loan changes in plain English: the new RAP plan, SAVE struck down, PAYE and ICR phasing out, and what to do.
What Is the Repayment Assistance Plan (RAP)?
The Repayment Assistance Plan (RAP) starts July 1, 2026. Here is what it means for your federal student loan payment, in plain English.