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The RAP Loophole for Middle-Class Borrowers: When Filing Separately Could Cut Your Monthly Payment

May 5, 2026 admin Comments Off

You may have heard of the Repayment Assistance Plan (RAP). It passed as part of the One Big Beautiful Bill Act (OB3). It allows borrowers to pay up to 10% of their incomes and, in certain circumstances, receive interest subsidies, student loan forgiveness or both. This income-driven repayment (IDR) plan is supposed to vastly simplify…

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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.