RAPpath

RAP payment by income › $120,000

RAP Payment on a $120,000 Salary

A single borrower earning $120,000 (AGI) with no dependents would pay an estimated $1,000/month under the 2026 Repayment Assistance Plan — 10% of AGI. Adjust dependents and family size below for your exact number.

From line 11 of your IRS Form 1040.

−$50/mo each

For IBR compare

Estimated RAP payment
$—
RAP
$—
IBR
$—

How the $120,000 payment breaks down

RAP payment at $120,000 by dependents

DependentsMonthly RAP payment
0$1,000/mo
1$950/mo
2$900/mo
3$850/mo

RAP vs IBR at $120,000

New IBR is about $196/mo cheaper than RAP at $120,000. Compare RAP vs IBR in detail →

PlanEstimated monthly
RAP$1,000/mo
New IBR (20 yr)$804/mo

Frequently asked questions

How much is the RAP payment on a $120,000 salary?

For a single borrower earning $120,000 (AGI) with no dependents, the estimated RAP payment is $1,000 per month — 10% of AGI, or about $12,000 per year. Each dependent you claim lowers it by $50/month.

Is RAP or IBR cheaper at $120,000?

New IBR is about $196/mo cheaper than RAP at $120,000. RAP charges a flat 10% of AGI on your full AGI, while New IBR charges 10% of discretionary income (AGI minus 150% of the poverty line). Run your exact family size in the calculator above.

How do dependents change my $120,000 RAP payment?

RAP subtracts $50/month per dependent. At $120,000, that means about $1,000/mo with 0 dependents, $950/mo with 1 dependent, $900/mo with 2 dependents, $850/mo with 3 dependents. The payment never drops below the $10/month minimum.

Estimates use published RAP rules as of June 2026 and 2025 HHS poverty guidelines. $120,000 is treated as your AGI. Your servicer’s final figures may differ.