Federal repayment calculator · current through September 29, 2026

Estimate your RAP payment.

Use the current federal formula to model an estimated monthly payment. We show the inputs, assumptions, rule version, and source links instead of presenting an estimate as a servicer quote.

No account required

Estimate your RAP payment

Enter the figures used in the current federal formula. Your information is not saved.

Income and loan details

Annual adjusted gross income (AGI) used for the calculation

Use adjusted gross income from your most recent federal tax return. Joint filers should enter combined AGI unless currently separated or unable to reasonably access spouse income.

Which federal loan type do you have?

This affects whether a plan can be modeled. Parent PLUS and related consolidations are not included in these estimates.

Current eligible loan balance

Enter the eligible Direct Loan balance included in this estimate.

Dependents claimed on your federal tax return

RAP uses dependents claimed on the return, not the broader IBR family-size definition.

Federal tax filing status

I am currently separated or cannot reasonably access my spouse’s income.

Spouse’s eligible federal loan balance (if filing jointly)

Used only to allocate the joint RAP payment in proportion to each spouse’s eligible loan balances. Leave blank only if the joint-income exception above applies.

This tool gives an estimate, not an official eligibility or payment determination. Confirm all details with your loan servicer.

Want to compare both plans? Compare RAP vs IBR