Enter your details below. See your exact dollar difference between IBR and RAP — and whether you need to act before July 1, 2026.
Includes decision flowcharts, cheat sheet, and step-by-step mobile instructions
Important: These calculations are estimates based on publicly available IBR and RAP formula guidelines. Actual payments depend on your specific loan terms, servicer, and any future regulatory changes. This tool is for educational purposes only and does not constitute financial or legal advice. Always verify with your loan servicer or studentaid.gov before making repayment decisions.