RAP Student Loan Calculator 2026
Estimate your monthly payment under the new Repayment Assistance Plan (RAP) and compare it against the Standard 10-year plan.
Decides
Winning option | Dollar difference | Break-even point
Plan debt payoff, consolidation, refinancing, and borrowing decisions with interest cost and break-even context.
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Cards show what the calculator decides, the inputs it needs, and where the result should lead next.
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Estimate your monthly payment under the new Repayment Assistance Plan (RAP) and compare it against the Standard 10-year plan.
Decides
Winning option | Dollar difference | Break-even point
Route your debt the cheapest way — balance transfer, personal loan, HELOC, home equity loan, or just paying extra — ranked by total cost and risk.
Decides
Winning option | Dollar difference | Break-even point
Compare a traditional term loan against a merchant cash advance side-by-side. See monthly payment, total interest, all-in cost, and the effective APR on any MCA offer.
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Winning option | Dollar difference | Break-even point
Calculate your monthly savings and total lifetime interest saved by refinancing student loans. Includes forgiveness warning for federal borrowers considering private refinancing.
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Winning option | Dollar difference | Break-even point
Calculate your monthly payment and total interest for any personal loan.
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Monthly payment | Total interest | Payoff timing
See how extra payments can eliminate student debt years early.
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Monthly payment | Total interest | Payoff timing
Compare the two most popular debt payoff strategies side by side.
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Winning option | Dollar difference | Break-even point
Compare an existing personal loan with a new refinance offer after rate, term, and fees.
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Winning option | Dollar difference | Break-even point
Assign every dollar of income to bills, goals, debt, and flexible spending.
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Required monthly amount | Projected gap | Target date
BNPL Cost helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
Business Cash Reserve helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
Business Credit Card Rewards models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Business Valuation models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Collections Settlement models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Credit Score vs APR Cost helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Winning option | Dollar difference | Break-even point
Debt Freedom Date helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
Equipment Financing models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Monthly payment | Total interest | Payoff timing
Hiring Cost models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Home Office Deduction models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Primary result | Risk note | Next action
Loan APR vs Interest Rate helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Winning option | Dollar difference | Break-even point
Compare any two loans side by side to find the lower-cost option.
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Winning option | Dollar difference | Break-even point
Medical Debt Payoff helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Monthly payment | Total interest | Payoff timing
Merchant Fee Cost models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Owner Compensation helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Required monthly amount | Projected gap | Target date
Parent PLUS Payoff helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Monthly payment | Total interest | Payoff timing
Payday Loan Escape helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Monthly payment | Total interest | Payoff timing
Quarterly Tax for Freelancers helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Primary result | Risk note | Next action
Receivables Runway models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Required monthly amount | Projected gap | Target date
Refinance Break-Even Generic Loan models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Monthly payment | Total interest | Payoff timing
S Corp Salary vs Distribution models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Winning option | Dollar difference | Break-even point
SBA Loan helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Monthly payment | Total interest | Payoff timing
Secured Loan vs Unsecured Loan models an advanced financial scenario with clear dollar impact, timing, and action tradeoffs.
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Winning option | Dollar difference | Break-even point
SEP IRA vs Solo 401(k) helps compare the dollars, timing, and tradeoffs behind this financial decision.
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Winning option | Dollar difference | Break-even point