# How The Repayment Assistance Plan (RAP) Works: Payments, Eligibility, And Forgiveness

Page: https://stenobird.com/podcast/the-college-investor-audio-show-414113/how-the-repayment-assistance-plan-rap-works-payments-eligibility-and-forgiveness
Text version: https://stenobird.com/podcast/the-college-investor-audio-show-414113/how-the-repayment-assistance-plan-rap-works-payments-eligibility-and-forgiveness.md
Podcast: [The College Investor Audio Show](https://stenobird.com/podcast/the-college-investor-audio-show-414113)
Published: 2026-05-11T11:00:00+00:00
Episode link: https://thecollegeinvestor.com/79015/how-the-repayment-assistance-plan-rap-works/
Audio file: https://episodes.captivate.fm/episode/fc90f650-033c-48ed-88e0-d72e273f4c52.mp3
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Duration seconds: 799

## Resource

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.

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