RAP Student Loan Calculator

Understand your student-loan repayment options before making a decision. RAP Loan Calculator turns income, family size, loan balance, and interest rate into clear monthly estimates—privately and directly on your Android device.

Compare sample repayment paths, explore how extra payments may change your payoff timeline, and keep calculation scenarios together without signing in. Core calculations work offline, so your financial inputs stay available when you need them.

KEY FEATURES
• Estimate monthly RAP payments across income brackets
• Apply dependent and family-size adjustments
• Compare RAP and IBR payment estimates
• Compare RAP with Tiered Standard repayment
• Explore SAVE transition deadlines and milestones
• Simulate total interest and estimated payoff dates
• Test extra monthly payment scenarios
• Compare multiple income and repayment scenarios
• Save calculation history locally on your device
• Generate and share a calculation summary as PDF [PRO, if applicable]

Core calculations run locally. No account is required. The app never asks for your Social Security number, Federal Student Aid password, bank login, or payment credentials.

BUILT FOR PLANNING
Use the estimates to prepare questions, compare possible paths, and organize your repayment research. Results may differ from amounts calculated by a loan servicer or an official government tool.

IMPORTANT DISCLAIMER
This app is an independent educational and estimation tool, NOT affiliated with, endorsed by, or part of the U.S. Department of Education or any government agency. It does not process loan applications or payments. Estimates are for informational purposes only and are not financial, legal, or tax advice. Program rules, poverty guidelines, interest accrual, capitalization, eligibility, and servicer calculations may change or produce different results. Verify decisions with your loan servicer and official resources at StudentAid.gov.