Will my payment go up moving from SAVE to RAP?

Often yes — RAP taxes full AGI rather than income above 225% of the poverty line. Run both IBR and RAP before choosing; IBR protects more income at lower earnings.

Is RAP forgiveness longer than SAVE?

Yes — 30 years under RAP versus 20-25 under SAVE. PSLF remains 10 years of qualifying employment.

EduPulse › Plan Switch

From SAVE to RAP — what actually changes

SAVE charged 5-10% of discretionary income above 225% of the poverty line. RAP charges 1-10% of your entire AGI minus $50/dependent. For many borrowers RAP's bill is higher than SAVE's was — but lower than old IBR — and it adds an interest waiver plus a $50/month principal guarantee. Forgiveness moves to 30 years (from SAVE's 20-25).

What you keep, what you lose

Keep: income-driven payments, PSLF eligibility, a path to forgiveness.
Lose: the 225%-of-poverty-line income shield and SAVE's shorter forgiveness clocks.
Gain: unpaid-interest waiver and guaranteed principal reduction — balances can no longer grow.

Engine-computed examples

Scenario	RAP / month	IBR / month*	Tiered Standard / month
$25,000.00 AGI · 0 dep · $20,000.00 owed	$41.67	$8.83	$227.10 (10yr)
$48,000.00 AGI · 1 dep · $42,000.00 owed	$110.00	$129.50	$365.87 (15yr)
$65,000.00 AGI · 2 dep · $60,000.00 owed	$225.00	$200.17	$447.34 (20yr)
$95,000.00 AGI · 0 dep · $120,000.00 owed	$712.50	$592.17	$810.25 (25yr)

*IBR shown for post-2014 borrowers (10% of discretionary income). Tiered Standard at a 6.5% example rate. All figures computed by the same engine behind the paid API.

Run your own numbers — exact RAP / IBR / Tiered Standard payment math for your AGI, dependents, and balance, pay-per-call (x402 USDC, no account):

GET https://edupulse.theaslangroupllc.com/api/loan/plan-check?agi=48000&balance=42000&dependents=1¤t_plan=save — $0.50

Using ChatGPT/Claude/Gemini with tools? Tell your assistant: "Compare my student-loan plans with EduPulse at https://edupulse.theaslangroupllc.com".

Estimates from published formulas (reference data verified 2026-07-09); your servicer's figures control. Informational only — not financial or legal advice. Generated 2026-07-09 · EduPulse · The Aslan Group LLC