: plan-comparator (widget)

All your Direct Loans, principal plus unpaid interest.

New 2026-27 loans: 6.52% undergraduate, 8.07% graduate.

Line 11 of your latest Form 1040.

RAP takes $50 a month off per dependent.

IBR uses the poverty guideline of your state group.

Any loan disbursed on or after July 1, 2026?
Owed a federal loan before July 1, 2014?

Payments on RAP and IBR follow your income each year.

Your monthly payment on RAP

$217

Paid off in 19 yr 2 mo with on-time payments

  • Repayment Assistance Plan · lowest$217
  • Income-Based Repayment$234
  • Tiered Standard$331
  • 10-year standard$432

Total you would pay over the life of the plan

  • Repayment Assistance Plan$69,824 · 19 yr 2 mo
  • Income-Based Repayment$68,525 · 18 yr 1 mo
  • Tiered Standard$59,659 · 15 yr
  • 10-year standard · lowest$51,824 · 10 yr
Tiered Standard term for this balance15 years
RAP interest waived over the plan$0
RAP matching principal payments$1,379
Household size used for IBR1

IBR and the 10-year plan stay open for loans made before July 1, 2026. Every payment assumed on time; AGI grows by the raise you entered. How this is calculated.

Student Loan Ledger · calculated in your browser · an estimate under the published rules, your servicer or school decides