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Repayment Assistance Plan (RAP): Payments & Forgiveness
The Repayment Assistance Plan (RAP) is the new federal income-driven repayment plan that opens July 1, 2026, setting your monthly payment at…
Tag: income-driven repayment
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RAP vs IBR: Which Student Loan Plan to Pick in 2026
Pick RAP if you want lower payments tied to your income, protection from a growing balance, and you do not mind a…
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Parent PLUS Consolidation Deadline 2026: What to Do Now
If you have Parent PLUS loans and want access to income-driven repayment, the key step is to consolidate into a Direct Consolidation…
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How to Switch Out of SAVE: studentaid.gov Walkthrough
To switch out of the SAVE plan, log in at studentaid.gov, go to the “Manage Loans” or “Apply for an Income-Driven Repayment…
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Auto-Enrolled After 90 Days: What If You Do Nothing
If you do nothing after the SAVE plan ends, your loan servicer will auto-enroll you in the Standard Repayment Plan or the…
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Student Loans vs Credit Card Debt: Which Should You Pay First?
If you carry both student loans and a credit card balance, pay the credit card first. The average card APR is about…