Title IV Federal Student Loan Repayment Engine
Compare monthly repayment obligations, interest subsidy protections, and loan forgiveness schedules under the 2026 Repayment Assistance Plan (RAP), IBR, PAYE, and ICR.
Federal Student Loan Repayment & RAP Comparison Calculator
Deterministic Title IV repayment model comparing RAP, IBR, PAYE, ICR, and Tiered Standard.
Borrower Inputs
Aggregate outstanding principal balance across Direct Subsidized, Unsubsidized, and PLUS loans.
Line 11 on IRS Form 1040 representing annual household taxable earnings.
Statutory interest rate applicable to Title IV Direct Loans.
Borrower plus spouse and qualifying legal dependents.
HHS poverty baselines vary between Contiguous 48, Alaska, and Hawaii.
Monthly Repayment Obligations
Key Statutory Rule Summary (Title IV)
Under Title IV 34 CFR Part 685, the Repayment Assistance Plan (RAP) establishes monthly obligations at ten percent of discretionary income exceeding 225 percent of the HHS Poverty Guideline. RAP automatically waives all unpaid monthly interest through statutory subsidies, preventing negative amortization across undergraduate and graduate balances.
Statutory Plan Baseline Comparison ($60k Loan, $65k AGI)
| Plan Name | Monthly Payment | Statutory Term | Total Repayment | Est. Forgiveness |
|---|---|---|---|---|
| Repayment Assistance Plan (RAP) | $248.23 | 20 Years | $59575.20 | $60000.00 |
| Income-Based Repayment (IBR) | $346.04 | 20 Years | $83049.60 | $49681.54 |
| Pay As You Earn (PAYE) | $346.04 | 20 Years | $83049.60 | $49681.54 |
| Income-Contingent Repayment (ICR) | $651.25 | 25 Years | $83332.02 | $0.00 |
| Tiered Standard Repayment | $379.24 | 30 Years | $136526.40 | $0.00 |
| Standard 10-Year Repayment (Cap) | $681.29 | 10 Years | $81754.54 | $0.00 |
Specialized Repayment Calculators
- Federal Student Loan Repayment Calculator - Side by side repayment simulator for Title IV loans under RAP, IBR, PAYE, and ICR.
- RAP vs IBR Student Loan Comparison Engine - Compare monthly obligations, interest subsidies, and forgiveness schedules between RAP and IBR.
- Tiered Standard Repayment Plan Amortization Model - Calculate 10 to 30 year standard amortization schedules across consolidation balance tiers.
- PAYE Sunset & Transition Analysis Engine - Evaluate 10-year standard payment caps and grandfathering rules for existing PAYE borrowers.
- Income-Contingent Repayment (ICR) Formula Tool - Model the lesser of 20% discretionary income or 12-year income-adjusted payments.
Private Refinance Partner Network
Refinancing through private lenders is appropriate only for high-earning borrowers with stable employment who do not benefit from federal forgiveness or income-driven subsidies.
Splash Financial
Compare competing fixed and variable rate refinancing offers across multiple lenders with a single soft inquiry.
View Refinance OptionsSoFi
Zero origination fee refinancing with unemployment protection, career coaching, and member rate discounts.
View Refinance OptionsCredible
Multi-lender comparison engine showing prequalified rates and monthly payment projections in two minutes.
View Refinance OptionsEarnest
Customizable repayment terms, precision monthly payment matching, and biweekly autopay interest rate discounts.
View Refinance OptionsLendKey
Community bank and credit union network offering relationship-based student refinancing terms.
View Refinance Options