RAP payment table by income and dependents
This table shows your monthly Repayment Assistance Plan (RAP) bill, using your income and the number of dependents you claim. How much you borrowed does not matter here; the plan only looks at income and dependents.
- $10lowest RAP payment a month
- $50off a month for each dependent
- 10%of AGI over $100,000
- 360payments, then the rest is forgiven
How much of your income counts at each band
Your payment starts with your adjusted gross income, or AGI.
RAP takes a percentage of your full AGI, and that percentage rises in steps as your income grows, from 1% to 10%. The government's official definitions list the rates for the main bands. Incomes between these bands, such as $20,000 to $40,000, use rates in between, so $35,000 uses 3%.
| Your AGI | Yearly base payment |
|---|---|
| Not more than $10,000 | $120 a year |
| More than $10,000 and not more than $20,000 | 1% of your AGI |
| More than $20,000 and not more than $30,000 | 2% of your AGI |
| More than $30,000 and not more than $40,000 | 3% of your AGI |
| More than $40,000 and not more than $50,000 | 4% of your AGI |
| More than $50,000 and not more than $60,000 | 5% of your AGI |
| More than $60,000 and not more than $70,000 | 6% of your AGI |
| More than $70,000 and not more than $80,000 | 7% of your AGI |
| More than $80,000 and not more than $90,000 | 8% of your AGI |
| More than $90,000 and not more than $100,000 | 9% of your AGI |
| More than $100,000 | 10% of your AGI |
Sources: Federal Student Aid, RAP definitions, Federal Student Aid, income-driven plans.
What is the RAP payment at each income?
Figures assume you file single or married filing separately. If you file jointly, look up your combined AGI.
10 Light italic figures are the $10 minimum. The payment can't go lower.
| Your AGI | Dependents you claim | ||||
|---|---|---|---|---|---|
| 0 | 1 | 2 | 3 | 4 | |
| $0 | 10 | 10 | 10 | 10 | 10 |
| $5,000 | 10 | 10 | 10 | 10 | 10 |
| $10,000 | 10 | 10 | 10 | 10 | 10 |
| $15,000 | 13 | 10 | 10 | 10 | 10 |
| $20,000 | 17 | 10 | 10 | 10 | 10 |
| $25,000 | 42 | 10 | 10 | 10 | 10 |
| $30,000 | 50 | 10 | 10 | 10 | 10 |
| $35,000 | 88 | 38 | 10 | 10 | 10 |
| $40,000 | 100 | 50 | 10 | 10 | 10 |
| $45,000 | 150 | 100 | 50 | 10 | 10 |
| $50,000 | 167 | 117 | 67 | 17 | 10 |
| $55,000 | 229 | 179 | 129 | 79 | 29 |
| $60,000 | 250 | 200 | 150 | 100 | 50 |
| $65,000 | 325 | 275 | 225 | 175 | 125 |
| $70,000 | 350 | 300 | 250 | 200 | 150 |
| $75,000 | 438 | 388 | 338 | 288 | 238 |
| $80,000 | 467 | 417 | 367 | 317 | 267 |
| $85,000 | 567 | 517 | 467 | 417 | 367 |
| $90,000 | 600 | 550 | 500 | 450 | 400 |
| $95,000 | 713 | 663 | 613 | 563 | 513 |
| $100,000 | 750 | 700 | 650 | 600 | 550 |
| $105,000 | 875 | 825 | 775 | 725 | 675 |
| $110,000 | 917 | 867 | 817 | 767 | 717 |
| $115,000 | 958 | 908 | 858 | 808 | 758 |
| $120,000 | 1,000 | 950 | 900 | 850 | 800 |
| $125,000 | 1,042 | 992 | 942 | 892 | 842 |
| $130,000 | 1,083 | 1,033 | 983 | 933 | 883 |
| $135,000 | 1,125 | 1,075 | 1,025 | 975 | 925 |
| $140,000 | 1,167 | 1,117 | 1,067 | 1,017 | 967 |
| $145,000 | 1,208 | 1,158 | 1,108 | 1,058 | 1,008 |
| $150,000 | 1,250 | 1,200 | 1,150 | 1,100 | 1,050 |
| $155,000 | 1,292 | 1,242 | 1,192 | 1,142 | 1,092 |
| $160,000 | 1,333 | 1,283 | 1,233 | 1,183 | 1,133 |
| $165,000 | 1,375 | 1,325 | 1,275 | 1,225 | 1,175 |
| $170,000 | 1,417 | 1,367 | 1,317 | 1,267 | 1,217 |
| $175,000 | 1,458 | 1,408 | 1,358 | 1,308 | 1,258 |
| $180,000 | 1,500 | 1,450 | 1,400 | 1,350 | 1,300 |
| $185,000 | 1,542 | 1,492 | 1,442 | 1,392 | 1,342 |
| $190,000 | 1,583 | 1,533 | 1,483 | 1,433 | 1,383 |
| $195,000 | 1,625 | 1,575 | 1,525 | 1,475 | 1,425 |
| $200,000 | 1,667 | 1,617 | 1,567 | 1,517 | 1,467 |
Download every row as a CSV file for a spreadsheet.
- Each figure is a rounded estimate, not a servicer quote.
- RAP opened July 1, 2026.
- Parent PLUS loans, and consolidation loans that repaid them, cannot use RAP.
- To switch plans, apply on studentaid.gov.
Monthly RAP payments with no dependents
Every dependent you claim reduces the amount by $50 a month, though the bill never falls below $10. All the amounts here are monthly, and each one is rounded to the nearest cent.
When your income falls between two rows, your payment sits between the amounts in them. For example, with no dependents and AGI from $50,001 to $60,000, your monthly bill can be anywhere from $208.34 to $250.00.
How your borrowed amount changes
Principal is the part of your balance that comes from what you borrowed, not from interest. Under RAP, if an on-time payment brings your principal down by under $50 in that month, the Department of Education makes up the difference so the principal always falls by at least $50. So even a small payment still reduces your balance each month.
After 360 qualifying monthly payments, which takes at least 30 years, any balance you still owe is forgiven.
Which loans are limited to RAP?
The law that established this plan was enacted on July 4, 2025. If your loan was first paid out on or after July 1, 2026, your only repayment options are RAP and the Tiered Standard plan. Loans from before that date are not tied to that rule.
Working out your payment
The plan takes the rate that matches your income band and applies it to your full AGI for the year, then divides the annual amount by 12 to find your monthly payment. Then $50 comes off for each dependent. If the result comes out below $10, you pay $10 instead.
Ana, who has no dependents, earns $35,000. Her band of 3% works out to $1,050 a year. That means she pays $87.50 a month.
Questions people ask
Could a RAP payment ever be $0?
It cannot. The smallest bill is $10 a month, even if dependents would push the amount below that. When AGI is $10,000 or less, the base comes to $120 a year. That's $10 a month, and because the bill can't go lower than $10, dependents don't reduce it any further.
Is the $50 per dependent amount yearly or monthly?
Every month. Each dependent lowers the bill by $50 each month. If you claim two dependents, your monthly payment drops by $50 for each one, but never below $10.
Other ways to check your loan
Get your own number, or see how RAP stacks up against other plans.