Welcome to Student Debt Modification

How to Apply for RAP: A Step-by-Step Guide

August 28, 2026 admin Comments Off

The Repayment Assistance Plan (RAP) is open for applications, and you can sign up for it now. We’ll explain how and let you know what questions could potentially trip you up. Note that these steps being numbered doesn’t signify anything formally. It’s just a useful way to break up what you’ll be expected to do…

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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.