In the wake of the One Big Beautiful Bill Act (OBBBA) signed in July 2025, the American student loan landscape underwent its most significant transformation in decades. As the SAVE plan phased out, the Repayment Assistance Plan (RAP) emerged as the new standard.
The transition to RAP on July 1, 2026, left millions of borrowers confused. Official government portals can be overwhelming and often require full login access just to see an estimate. We created RAPCalc 2026 to provide a "no-strings-attached" calculator that delivers instant, bracket-based estimates based on the latest 2026 federal guidelines.
Our algorithms are updated weekly to reflect the 2026 Federal Poverty Guidelines and the specific income-bracket logic mandated by the OBBBA. While we are an independent entity and not a government agency, we strive for 99.9% calculation accuracy compared to official Department of Education projections.