Disclosure

RAP Plan Calculator is free for you to use. The site may earn money in these ways.

How we receive payment

Certain pages may point you to lenders for refinancing. At present, those links are plain and don't include tracking codes. If that changes, we'll state this in the disclosure and on every page with a lender.

What it always leaves unchanged

A calculator result never changes because of money. Refinancing ends your federal protections, so federal plans appear first.

We don't show ads

There are no display ads on the site.