Student Loan RAP Calculator

Student loan rules changed on July 1, 2026. Estimate your RAP payment, total paid, and possible forgiveness tax, then compare RAP with Standard and IBR. — FREE CALCULATOR — • Enter your AGI and dependents • See your estimated monthly RAP payment instantly • Annual cost and your income bracket, explained clearly • Compare RAP vs. the Standard 10-Year plan, with monthly savings and break-even income • See the tax on a forgiven balance counted into RAP's true total cost — so "lower monthly" never hides a bigger bill — RAPLAN PRO (one-time purchase) — • Tax Bomb Estimator — the tax bill if your balance is forgiven after 30 years, with your own tax rate and income-growth assumption • Income Growth Simulator — project payments year by year as your income grows, and see when the loan is paid off • Plan comparison — RAP vs. Standard vs. IBR: monthly payments, forgiveness horizons and break-even income • Save up to 3 scenarios — current job, a raise, a family change • Annual recertification reminder so you never miss the deadline — PRIVATE BY DESIGN — No account. No ads. No cross-app tracking. Your income, loan balance and dependents never leave your iPhone — every calculation runs on the device. The app sends only anonymous, aggregate counts of which screens lead to the Pro page — and whether a purchase attempt completed — so we can improve it. You can switch that off under About. Pro is unlocked with a one-time in-app purchase — no subscription and no automatic renewal. — ACCURACY — RAPlan implements the RAP income brackets from P.L. 119-21 and is tested against the published legislative examples and two independent third-party RAP calculators. Loan terms, brackets, interest, and tax treatment can change. Always confirm your actual payment with your loan servicer at studentaid.gov. — DISCLAIMER — RAPlan is a planning calculator. Results are estimates based on your inputs and do not replace financial advice, lender disclosures, or official loan documents. RAPlan is not affiliated with any government agency, lender, or loan servicer. Questions? apps@nort.de Privacy Policy: https://raplan.nort.de/privacy.html