How to apply for RAP or switch plans
Short answer: Apply for RAP through the official income-driven repayment application on studentaid.gov (or through your servicer). You'll consent to IRS income data or upload proof of income, list dependents, and choose RAP. It's free. Before switching, compare RAP vs IBR with your own numbers, and avoid new consolidation unless you understand how it limits plan choices after July 1, 2026.
Last verified November 5, 2026 · PSLFCheck Editorial
Before you apply
- Run your numbers in the RAP calculator (RAP vs IBR vs Tiered).
- If pursuing PSLF, confirm your employer with the employer search — RAP counts toward PSLF.
- Have your most recent tax return AGI and dependent count ready.
Apply
- Log in at studentaid.gov and open the IDR application.
- Choose RAP (or let ED place you in the lowest-payment eligible plan).
- Consent to IRS data sharing or upload income documents.
- Submit and watch for your servicer's confirmation and new payment amount.
Who must switch
Borrowers on legacy plans must move to an available plan by July 1, 2028 — see the 2028 deadline. Parent PLUS loans cannot use RAP.
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FAQ
How long does a RAP application take?
Processing times vary; your servicer will confirm the new plan. Keep paying your current bill until it changes.
Can I switch back to IBR?
It depends on your loans. Loans made on/after July 1, 2026 generally cannot use IBR. Ask your servicer before switching.
Sources
- Public Law 119-21 (One Big Beautiful Bill Act), Sec. 82001 — Congress.gov — accessed November 5, 2026
- 34 CFR 685.209 — Income-driven repayment plans (eCFR) — accessed November 5, 2026
- Top FAQs About Income-Driven Repayment Plans — studentaid.gov — accessed November 5, 2026
- Income-driven repayment application — studentaid.gov — accessed November 5, 2026
Related: What is PSLF · PSLF requirements · PSLF form · Teacher forgiveness · Forgiveness in 2026 · Apply for RAP · Get out of default · Wage garnishment