Federal Student Loan Repayment Calculator
Side by side repayment simulator for Title IV loans under 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.
Title IV Statutory Framework Overview
Federal student loan obligations are governed by Title IV of the Higher Education Act of 1965, codified at 34 CFR Part 685. Income-driven repayment programs calculate monthly commitments based upon adjusted gross income and family household size rather than outstanding loan balance.
By integrating annual Department of Health and Human Services Poverty Guidelines across all fifty states and territories, our simulation engine ensures deterministic calculation precision across every repayment option.
Statutory Authority & Provenance Citations
- Dataset 1: US Department of Education Title IV Repayment Regulations (34 CFR Part 685)
- Dataset 2: US Department of Health and Human Services Annual Poverty Guidelines (42 U.S.C. 9902(2))
Cryptographic SHA-256 provenance hashes verify mathematical fidelity across all federal calculations.