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Federal Loan Repayment Calculator Tiered Standard vs. RAP

For Direct Loans first disbursed on or after July 1, 2026. Enter your numbers to see what each plan could cost you, year by year.

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With these numbers, RAP could cost about $8,066 less in total than Tiered Standard. That assumes your AGI grows 3% a year. Totals add up dollars paid decades apart and are not adjusted for inflation.

  • Tiered Standard: $932 a month for 25 years, paid off in Nov 2051.
  • RAP: $600 a month at first and up to $1,395 later, for about 22 years, paid off in Dec 2048.

Tiered Standard

First payment
$932
Total cost
$279,525
Paid off
Nov 2051

RAP

First payment
$600
Total cost
$271,460
Paid off
Dec 2048
Repayment term
Tiered Standard 25 years
RAP 22.1 years
Number of monthly payments
Tiered Standard 300
RAP 265
First monthly payment
Tiered Standard $931.75
RAP $600.00
Highest monthly payment
Tiered Standard $931.75
RAP $1,395.22
Final monthly payment
Tiered Standard $931.75
RAP $1,293.80
Total paid by you
Tiered Standard $279,525
RAP $271,460
Interest paid by you
Tiered Standard $159,525
RAP $153,860
Interest waived by the government
Tiered Standard -
RAP $5,369
Principal match from the government
Tiered Standard -
RAP $2,400
Amount forgiven
Tiered Standard -
RAP -
Est. tax on forgiven amount
Tiered Standard -
RAP -
Total cost (paid + est. tax)
Tiered Standard $279,525
RAP $271,460
Total cost as a multiple of your balance
Tiered Standard 2.33x
RAP 2.26x
Last payment
Tiered Standard Nov 2051
RAP Dec 2048
Outcome
Tiered Standard Paid in full
RAP Paid in full

Year by year

To model a raise or a job change, type a new AGI into any year and recalculate.

Year Starts AGI RAP rate RAP monthly payment RAP payments RAP paid Interest paid Interest waived Principal paid Principal match RAP balance at year end Tiered Standard paid Tiered Standard balance at year end
1 Dec 2026 $90,000 8% $600.00 12 $7,200 $7,200 $2,462 - $600 $119,400 $11,181 $118,446
2 Dec 2027 9% $695.25 12 $8,343 $8,343 $1,270 - $600 $118,800 $11,181 $116,763
3 Dec 2028 9% $716.11 12 $8,593 $8,593 $972 - $600 $118,200 $11,181 $114,938
4 Dec 2029 9% $737.59 12 $8,851 $8,851 $665 - $600 $117,600 $11,181 $112,960
5 Dec 2030 10% $844.13 12 $10,130 $9,466 - $663 - $116,937 $11,181 $110,817
6 Dec 2031 10% $869.46 12 $10,433 $9,399 - $1,034 - $115,902 $11,181 $108,494
7 Dec 2032 10% $895.54 12 $10,746 $9,301 - $1,446 - $114,456 $11,181 $105,977
8 Dec 2033 10% $922.41 12 $11,069 $9,167 - $1,902 - $112,555 $11,181 $103,249
9 Dec 2034 10% $950.08 12 $11,401 $8,995 - $2,405 - $110,149 $11,181 $100,292
10 Dec 2035 10% $978.58 12 $11,743 $8,781 - $2,962 - $107,187 $11,181 $97,088
11 Dec 2036 10% $1,007.94 12 $12,095 $8,520 - $3,576 - $103,612 $11,181 $93,615
12 Dec 2037 10% $1,038.18 12 $12,458 $8,207 - $4,252 - $99,360 $11,181 $89,852
13 Dec 2038 10% $1,069.32 12 $12,832 $7,836 - $4,996 - $94,365 $11,181 $85,773
14 Dec 2039 10% $1,101.40 12 $13,217 $7,403 - $5,813 - $88,551 $11,181 $81,353
15 Dec 2040 10% $1,134.44 12 $13,613 $6,901 - $6,712 - $81,839 $11,181 $76,563
16 Dec 2041 10% $1,168.48 12 $14,022 $6,324 - $7,698 - $74,142 $11,181 $71,371
17 Dec 2042 10% $1,203.53 12 $14,442 $5,663 - $8,779 - $65,362 $11,181 $65,745
18 Dec 2043 10% $1,239.64 12 $14,876 $4,912 - $9,964 - $55,398 $11,181 $59,647
19 Dec 2044 10% $1,276.82 12 $15,322 $4,060 - $11,262 - $44,137 $11,181 $53,039
20 Dec 2045 10% $1,315.13 12 $15,782 $3,100 - $12,682 - $31,455 $11,181 $45,877
21 Dec 2046 10% $1,354.58 12 $16,255 $2,019 - $14,236 - $17,219 $11,181 $38,115
22 Dec 2047 10% $1,395.22 12 $16,743 $809 - $15,934 - $1,285 $11,181 $29,703
23 Dec 2048 10% $1,437.08 1 $1,294 $9 - $1,285 - - $11,181 $20,587
24 Dec 2049 10% - - - - - - - - $11,181 $10,707
25 Dec 2050 10% - - - - - - - - $11,181 -
Total 265 $271,460 $153,860 $5,369 $117,600 $2,400 $279,525

How the two plans work

Tiered Standard

A fixed monthly payment. The term depends on your total Direct Loan balance when you enter repayment.

Balance Term
Under $25,000 10 years
$25,000 to under $50,000 15 years
$50,000 to under $100,000 20 years
$100,000 or more 25 years

Repayment Assistance Plan (RAP)

  • Your payment is a share of your AGI, from 1% to 10%. The rate applies to all of your AGI, not just the part in the bracket.
  • Your payment drops by $50 a month for each dependent, and is never less than $10.
  • If your payment doesn't cover the interest, the unpaid interest is waived. If it pays down less than $50 of principal, the government matches the difference.
  • If you file jointly, the payment is based on joint AGI and split by each spouse's share of your combined federal loan balance.
  • Any balance left after 360 qualifying payments is forgiven, and may be taxable.
AGI Share of AGI
$10,000 or less $10 a month
$10,001 to $20,000 1%
$20,001 to $30,000 2%
$30,001 to $40,000 3%
$40,001 to $50,000 4%
$50,001 to $60,000 5%
$60,001 to $70,000 6%
$70,001 to $80,000 7%
$80,001 to $90,000 8%
$90,001 to $100,000 9%
$100,001 or more 10%

This calculator gives estimates for illustration only and is not financial advice. Your actual payments depend on your loan servicer, your tax returns, and any changes to federal rules.

Sources: Tiered Standard terms from Edfinancial, Lower Payment Options. RAP rules from CRS In Focus IF13075, The Repayment Assistance Plan (RAP) in P.L. 119-21 (July 31, 2025), and the principal match in 34 CFR 685.209(o). 2026-27 interest rates from FSA Electronic Announcement GENERAL-26-33 (June 4, 2026).

Please Note: Juno is not a lender. We are not involved in the loan approval or investment process.