RAPpath RAP · By income
RAP Payment by Income
Estimated 2026 Repayment Assistance Plan (RAP) monthly payment at each income level, for a single borrower with no dependents. Pick your salary for a full breakdown, or run your exact numbers below.
Estimated RAP payment
$—
RAP
$—
IBR
$—
RAP payment chart ($20k–$250k)
| Salary (AGI) | RAP rate | RAP/mo | New IBR/mo | Lower |
|---|---|---|---|---|
| $20,000 | 1% | $17 | $0 | IBR |
| $25,000 | 2% | $42 | $9 | IBR |
| $30,000 | 2% | $50 | $51 | Tie |
| $35,000 | 3% | $88 | $92 | RAP |
| $40,000 | 3% | $100 | $134 | RAP |
| $45,000 | 4% | $150 | $176 | RAP |
| $50,000 | 4% | $167 | $217 | RAP |
| $55,000 | 5% | $229 | $259 | RAP |
| $60,000 | 5% | $250 | $301 | RAP |
| $65,000 | 6% | $325 | $342 | RAP |
| $70,000 | 6% | $350 | $384 | RAP |
| $75,000 | 7% | $438 | $426 | IBR |
| $80,000 | 7% | $467 | $467 | Tie |
| $85,000 | 8% | $567 | $509 | IBR |
| $90,000 | 8% | $600 | $551 | IBR |
| $100,000 | 9% | $750 | $634 | IBR |
| $110,000 | 10% | $917 | $717 | IBR |
| $120,000 | 10% | $1,000 | $801 | IBR |
| $125,000 | 10% | $1,042 | $842 | IBR |
| $150,000 | 10% | $1,250 | $1,051 | IBR |
| $175,000 | 10% | $1,458 | $1,259 | IBR |
| $200,000 | 10% | $1,667 | $1,467 | IBR |
| $250,000 | 10% | $2,083 | $1,884 | IBR |
RAP applies a flat bracket percentage to your full AGI, so the payment rises smoothly with income. New IBR shelters 150% of the poverty line first, so it tends to win at higher incomes. See RAP vs IBR and how RAP works for the full rules.
Estimates use published RAP rules as of October 2026 and 2026 HHS poverty guidelines for a single-person household. Confirm with your servicer.
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