RAP payment tables by income and family size
Short answer: Your RAP payment is 1%–10% of AGI ÷ 12, minus $50 per dependent, with a $10 minimum. Pick your income and family size below, or use the full calculator.
| AGI | 0 deps | 1 dep | 2 deps | 3 deps |
|---|---|---|---|---|
| $20k | $16.67 | $10.00 | $10.00 | $10.00 |
| $25k | $41.67 | $10.00 | $10.00 | $10.00 |
| $30k | $50.00 | $10.00 | $10.00 | $10.00 |
| $35k | $87.50 | $37.50 | $10.00 | $10.00 |
| $40k | $100.00 | $50.00 | $10.00 | $10.00 |
| $45k | $150.00 | $100.00 | $50.00 | $10.00 |
| $50k | $166.67 | $116.67 | $66.67 | $16.67 |
| $55k | $229.17 | $179.17 | $129.17 | $79.17 |
| $60k | $250.00 | $200.00 | $150.00 | $100.00 |
| $65k | $325.00 | $275.00 | $225.00 | $175.00 |
| $70k | $350.00 | $300.00 | $250.00 | $200.00 |
| $75k | $437.50 | $387.50 | $337.50 | $287.50 |
| $80k | $466.67 | $416.67 | $366.67 | $316.67 |
| $85k | $566.67 | $516.67 | $466.67 | $416.67 |
| $90k | $600.00 | $550.00 | $500.00 | $450.00 |
| $95k | $712.50 | $662.50 | $612.50 | $562.50 |
| $100k | $750.00 | $700.00 | $650.00 | $600.00 |
| $105k | $875.00 | $825.00 | $775.00 | $725.00 |
| $110k | $916.67 | $866.67 | $816.67 | $766.67 |
| $115k | $958.33 | $908.33 | $858.33 | $808.33 |
| $120k | $1,000.00 | $950.00 | $900.00 | $850.00 |
| $125k | $1,041.67 | $991.67 | $941.67 | $891.67 |
| $130k | $1,083.33 | $1,033.33 | $983.33 | $933.33 |
| $135k | $1,125.00 | $1,075.00 | $1,025.00 | $975.00 |
| $140k | $1,166.67 | $1,116.67 | $1,066.67 | $1,016.67 |
| $145k | $1,208.33 | $1,158.33 | $1,108.33 | $1,058.33 |
| $150k | $1,250.00 | $1,200.00 | $1,150.00 | $1,100.00 |
| $155k | $1,291.67 | $1,241.67 | $1,191.67 | $1,141.67 |
| $160k | $1,333.33 | $1,283.33 | $1,233.33 | $1,183.33 |
| $165k | $1,375.00 | $1,325.00 | $1,275.00 | $1,225.00 |
| $170k | $1,416.67 | $1,366.67 | $1,316.67 | $1,266.67 |
| $175k | $1,458.33 | $1,408.33 | $1,358.33 | $1,308.33 |
| $180k | $1,500.00 | $1,450.00 | $1,400.00 | $1,350.00 |
| $185k | $1,541.67 | $1,491.67 | $1,441.67 | $1,391.67 |
| $190k | $1,583.33 | $1,533.33 | $1,483.33 | $1,433.33 |
| $195k | $1,625.00 | $1,575.00 | $1,525.00 | $1,475.00 |
| $200k | $1,666.67 | $1,616.67 | $1,566.67 | $1,516.67 |
Estimates from formula version November 5, 2026 (P.L. 119-21 §82001; 34 CFR 685.209). Your servicer calculates the official payment. Not financial advice.