Episode
How The Repayment Assistance Plan (RAP) Works: Payments, Eligibility, And Forgiveness
- Published
- May 11, 2026
- Duration seconds
- 799
- Processing state
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Summary
The number of federal student loan repayment plans is shrinking. Starting July 1, 2026, new Direct Loan borrowers will only have access to two plans: the Tiered Standard Plan and the Repayment Assistance Plan , known as RAP. The Department of Education recently refreshed StudentAid for RAP, showing the repayment math, and how the plan's interest subsidy and matching principal benefit actually work. Here's a clear look at how RAP calculates your payment, who can use it, and the details that catch borrowers off guard: especially married couples and anyone with Parent PLUS debt.