The Repayment Assistance Plan | How RAP Replaces IDR for Federal Student Loans in 2026
Finance

The Repayment Assistance Plan | How RAP Replaces IDR for Federal Student Loans in 2026

Starting July 1, 2026, the Repayment Assistance Plan (RAP) becomes the only income-driven repayment option for new federal student loans, calculating payments on 1 to 10 percent of AGI with a 30-year forgiveness timeline.

Phillip DeLeonardisOct 26, 20267 min read

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