Disclaimer

Effective: August 2026

• Not the government. SaveToRAP.com is an independent website. It is not affiliated with, endorsed by, or operated by the U.S. Department of Education, Federal Student Aid, or any loan servicer. Official information lives at StudentAid.gov.
• Not advice. Nothing on this site is financial, legal, or tax advice. Content is general education about how federal repayment plans work. Your situation may involve factors our tools don't model (Parent PLUS loans, consolidation history, default status, state taxes, pending litigation).
• Estimates only. Calculator outputs are estimates based on the statutory formulas and the inputs you provide. Your servicer's calculation of your actual payment controls, and it may differ (income documentation rules, rounding, timing of poverty-guideline updates, etc.).
• Rules change. Federal student loan policy has changed repeatedly — by statute, regulation, and court order — and will change again. Each page shows a "last reviewed" date; always verify current rules before acting.
• Enrollment is free. No one needs to pay a company to enroll in any federal repayment plan. Applications are free at StudentAid.gov.