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RAP vs. Tiered Standard Plan: Which Is Better for Six-Figure Student Debt?

August 3, 2026 Comments Off

Should you consider using the new Tiered Standard repayment plan? What about the Repayment Assistance Plan (RAP)? If your loans are taken out after July 1, 2026, you only get to choose between

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Student Debt Modifications is not a lender or directly associated with the Department of Education. We are a document processing company that assists borrowers in understanding their student debt forgiveness options and match them into Government assisted relief and consolidation programs. There is a fee for our services that is determined upon the initial consultation that is at no charge to you. We do not accept all cases. Also, we encourage those with student debt to apply for free at the Department of Education website or to consult a financial professional before making any final decisions.