New Income-Driven Plan: RAP
A new income-driven repayment plan called the Repayment Assistance Plan (RAP) was created through a reconciliation bill that was signed into law on July 4, 2025. The plan should be available by no later than July 1, 2026 to Direct Loan borrowers.
Parent PLUS Not Eligible for RAP
RAP is not available for Parent PLUS Loan debt. This includes (1) Parent PLUS Loans, (2) Consolidation Loans that paid off Parent PLUS Loans, and (3) Consolidation Loans that paid off Consolidation Loans that paid off Parent PLUS Loans. Learn more about Parent PLUS repayment options in Parent PLUS section of our student loan repayment guide.
RAP Calculation
RAP requires you to pay a percentage of your adjusted gross income. If you have dependents, $50 per dependent will be deducted from your monthly payment. The minimum monthly payment under this plan is $10.
You can use the below chart to estimate your RAP payment for your Direct Loans based on your adjusted gross income and number of dependents.
