Federal loan balance
Interest rateweighted average
%
Adjusted gross income
/ yr
Dependents
people
Income growth
% / yr

RAP monthly payment (year 1)

$229.17

5% of AGI ÷ 12 · standard plan $397.42/mo

RAP: time in repayment
13 yr 6 mo
RAP: total paid
$55,550
RAP: forgiven after 30 years
$0
Interest waived by RAP
$0
Government principal match
$107
Standard 10-year: total paid
$47,690

RAP is for federal Direct loans (not Parent PLUS). Borrowers on SAVE, PAYE or ICR must move to RAP or another plan by July 1, 2028.

RAP payment$229.17

Estimates for education, not financial advice.Student loan repayment calculator (RAP) by Numlight ↗