RAP payment: $75,000 AGI, no dependents
Short answer: About $437.50 per month. Under the Repayment Assistance Plan, $75,000 AGI falls in the 7% bracket: 7% × $75,000 = $5,250 a year ÷ 12 = $437.50, minus $50 × 0 dependents = $437.50 (minimum $10). This is an estimate from formula version November 5, 2026; your servicer calculates the official amount.
Last verified November 5, 2026 · PSLFCheck Editorial
Same AGI, other family sizes
| Dependents | RAP / month | RAP / year |
|---|---|---|
| no dependents | $437.50 | $5,250 |
| 1 dependent | $387.50 | $4,650 |
| 2 dependents | $337.50 | $4,050 |
| 3 dependents | $287.50 | $3,450 |
How the formula works
RAP charges 1% of AGI for $10,001–$20,000, rising one point per $10,000 up to 10% for AGI above $100,000, then subtracts $50 per month for each dependent, with a $10 monthly minimum. Unpaid monthly interest is waived when you pay on time, and a principal match of up to $50 applies. See What is RAP and our methodology.
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Nearby tables: $30k, no dependents · $40k, no dependents · $50k, no dependents · $60k, no dependents · $100k, no dependents · $150k, no dependents · $75k, 1 dependent · $75k, 2 dependents · $75k, 3 dependents · All RAP payment tables
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FAQ
Does this include my spouse's income?
RAP uses the AGI on your tax return. If you file jointly, that includes your spouse's income. Married filing separately generally uses only your AGI.
Does this payment count for PSLF?
Yes. RAP payments made while working full-time for a qualifying employer count toward the 120 PSLF payments.
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