Methodology

The RAP calculator implements the formula in P.L. 119-21 §82001 and 34 CFR 685.209, cross-checked with studentaid.gov IDR guidance. Formula version November 5, 2026.

It runs entirely in your browser. If you click Save, your inputs and results are stored only in this browser’s localStorage under pslfcheck.plan.v1; nothing is sent to us. Unit tests cover AGI bands, the $10 floor, dependent reductions, Tiered Standard tiers, and the interest subsidy / principal match.

What we model

• RAP monthly payment from AGI and dependents
• Interest subsidy and principal match over a constant-income simulation
• IBR discretionary-income payment for comparison
• Tiered Standard amortization by balance band

What we do not model

• Year-to-year income changes or recertification timing
• PSLF 120-payment forgiveness path
• Spouse-loan adjustments for joint filers
• Partial eligibility or consolidation edge cases

1. Public Law 119-21 (One Big Beautiful Bill Act), Sec. 82001 — Congress.gov — accessed November 5, 2026
2. 34 CFR 685.209 — Income-driven repayment plans (eCFR) — accessed November 5, 2026
3. Top FAQs About Income-Driven Repayment Plans — studentaid.gov — accessed November 5, 2026
4. CRS IF13075: The Repayment Assistance Plan in P.L. 119-21 — Congress.gov — accessed November 5, 2026
5. Edfinancial (federal servicer, studentaid.gov domain): RAP information — accessed November 5, 2026

Last verified: November 5, 2026

Disclaimer: Not affiliated with the U.S. Department of Education or any loan servicer. Educational information, not financial or legal advice. Results are estimates. Confirm with studentaid.gov or your servicer. Published by PSLFCheck Editorial, AK Digital Marketing LLC.