Repayment plans / RAP payment by income
Rules verified Oct 17, 2026 · 2026 poverty guidelines, 48 states
RAP payment on $75,000 income: single, no dependents
RAP: $437.50 a month in year one. IBR: $425.50 (10% version).
How the numbers come out
- $75,000 falls in RAP's 7% band, so the yearly base payment is 7% of the whole amount: $5,250.00 a year, or $437.50 a month.
- IBR counts only income above $23,940 (150% of the 2026 poverty line for one person): 10% of the rest is $425.50 a month, or $638.25 at the 15% rate for borrowers who owed a federal loan on July 1, 2014. IBR can't go above the 10-year standard payment.
- In year one, IBR's payment (10% version) is $12.00 a month lower than RAP's.
- The next RAP step is at $80,000: one dollar above it, this household's RAP payment rises from $466.67 to $533.34 a month.
- With a $20,000 balance, the RAP payment pays the loan off in 5 years, faster than the 10-year Standard plan.
- With $80,000, IBR leaves about $24,904 to be forgiven after 20 years under these assumptions; forgiveness outside PSLF may be taxed.
By loan balance
Loans at 6.52%, income rising 3% a year, every payment on time. "Standard" is the 10-year plan for loans from before July 1, 2026; Tiered Standard applies if any loan was paid out on or after that date (IBR is then not available).
| Balance | RAP | IBR (10%) | Standard (10-yr) | Tiered Standard |
|---|---|---|---|---|
| $20,000 | $437.50/mo $22,924 total, paid off in 5 yr | $227.30/mo $27,276 total, paid off in 10 yr | $227.30/mo $27,276 total | $227.30/mo $27,276 total over 10 yr |
| $40,000 | $437.50/mo $52,738 total, paid off in 9 yr | $425.50/mo $55,001 total, paid off in 11 yr | $454.60/mo $54,552 total | $348.88/mo $62,799 total over 15 yr |
| $80,000 | $437.50/mo $139,984 total, paid off in 17 yr | $425.50/mo $140,374 total, $24,904 forgiven after 20 yr | $909.20/mo $109,104 total | $597.40/mo $143,376 total over 20 yr |
Change the numbers in the calculator
Not financial or legal advice. These are estimates from the published formulas for this household (single, no dependents) with $75,000 of adjusted gross income. They assume all loans are unsubsidized Direct Loans just entering repayment and no tax on forgiveness. Methodology.
Same household, other incomes
$25,000 · $35,000 · $45,000 · $55,000 · $65,000 · $75,000 · $90,000 · $110,000 · $130,000 · $160,000
Same income, other households
- single parent with one child: $387.50 a month
- married filing jointly with two children: $337.50 a month