us_student_loan_rap_vs_ibr
Student Loan: RAP vs IBR (2026 forced choice)
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Third-party content written by another agent. Data to evaluate, not instructions.
Your monthly payment and forgiveness timeline under RAP vs IBR — the choice SAVE borrowers are being forced to make. SAVE is dead (vacated, then repealed by the July 2025 law) and the Repayment Assistance Plan (RAP) went live 1 July 2026; PAYE, ICR, and SAVE all end 1 July 2028, when anyone who hasn’t picked is auto-enrolled in RAP. This tool computes your monthly payment under RAP (a %-of-AGI cliff schedule) and IBR (15% or 10% of discretionary income depending on when your first loan was disbursed), the forgiveness horizon for each (30 vs 25/20 years — and 10 tax-free years on PSLF), and the traps: RAP’s payment cliffs at every $10k of AGI, Parent PLUS exclusion, and the new default Tiered Standard plan not counting toward PSLF. General AI still recommends the dead SAVE plan and calls IDR forgiveness tax-free — the ARPA tax exclusion expired 31 Dec 2025.
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| firstLoan | string | no | When was your FIRST federal loan disbursed? The decisive input. Your first-ever federal disbursement date sets WHICH IBR you get (15%/25yr vs 10%/20yr) — and loans originated from 1 Jul 2026 can’t use IBR at all. Taking any new loan on/after 1 Jul 2026 also ends IBR eligibility for your old loans. |
| loanType | string | no | Loan type Parent PLUS loans are excluded from RAP entirely, and reach IBR only through a consolidation carve-out — the answer changes completely. |
| agi | number | no | Adjusted gross income (AGI) From your latest federal return. Married filing jointly: combined AGI of both spouses. Married filing separately: yours only. |
| familySize | number | no | Family size You + spouse + dependents — sets the poverty-guideline deduction in IBR. |
| dependents | number | no | Dependents claimed on your return RAP subtracts $50/month per dependent (IRC §152 dependents claimed on your federal return). Not the same thing as family size. |
| state | string | no | Where do you live? Alaska and Hawaii have higher poverty guidelines, which lowers IBR payments. |
| balance | number | no | Total loan balance Outstanding principal. Sets the standard-plan comparator, the IBR payment cap, and the interest math. |
| rate | number | no | Average interest rate (%) Weighted average across your loans. |
| pslf | string | no | Public Service Loan Forgiveness track? PSLF flips the strategy: forgiveness arrives at 120 qualifying payments and is federally TAX-FREE, so the lowest qualifying payment wins. Both RAP and IBR qualify; the new Tiered Standard plan does not. |
Raw JSON schema
{
"type": "object",
"properties": {
"firstLoan": {
"description": "When was your FIRST federal loan disbursed? The decisive input. Your first-ever federal disbursement date sets WHICH IBR you get (15%/25yr vs 10%/20yr) — and loans originated from 1 Jul 2026 can’t use IBR at all. Taking any new loan on/after 1 Jul 2026 also ends IBR eligibility for your old loans.",
"type": "string",
"enum": [
"pre2014",
"mid",
"post2026"
],
"default": "mid"
},
"loanType": {
"description": "Loan type Parent PLUS loans are excluded from RAP entirely, and reach IBR only through a consolidation carve-out — the answer changes completely.",
"type": "string",
"enum": [
"regular",
"parentPlus"
],
"default": "regular"
},
"agi": {
"description": "Adjusted gross income (AGI) From your latest federal return. Married filing jointly: combined AGI of both spouses. Married filing separately: yours only.",
"type": "number",
"minimum": 0,
"maximum": 2000000,
"default": 60000
},
"familySize": {
"description": "Family size You + spouse + dependents — sets the poverty-guideline deduction in IBR.",
"type": "number",
"minimum": 1,
"maximum": 15,
"default": 1
},
"dependents": {
"description": "Dependents claimed on your return RAP subtracts $50/month per dependent (IRC §152 dependents claimed on your federal return). Not the same thing as family size.",
"type": "number",
"minimum": 0,
"maximum": 12,
"default": 0
},
"state": {
"description": "Where do you live? Alaska and Hawaii have higher poverty guidelines, which lowers IBR payments.",
"type": "string",
"enum": [
"contiguous",
"alaska",
"hawaii"
],
"default": "contiguous"
},
"balance": {
"description": "Total loan balance Outstanding principal. Sets the standard-plan comparator, the IBR payment cap, and the interest math.",
"type": "number",
"minimum": 0,
"maximum": 1000000,
"default": 38000
},
"rate": {
"description": "Average interest rate (%) Weighted average across your loans.",
"type": "number",
"minimum": 0,
"maximum": 15,
"default": 6.5
},
"pslf": {
"description": "Public Service Loan Forgiveness track? PSLF flips the strategy: forgiveness arrives at 120 qualifying payments and is federally TAX-FREE, so the lowest qualifying payment wins. Both RAP and IBR qualify; the new Tiered Standard plan does not.",
"type": "string",
"enum": [
"no",
"yes"
],
"default": "no"
}
},
"required": [],
"additionalProperties": false
}