RAPTrack

If you're a federal student loan borrower moving from SAVE to the new Repayment Assistance Plan (RAP) on July 1, 2026, RAPTrack helps you understand your new payment and keep your forgiveness on track.

The payment counter disappeared from StudentAid.gov — RAPTrack gives you your own.

WHAT YOU CAN DO
- Estimate your monthly RAP payment from your income, family size, and balance using the published income bands
- Log every qualifying payment and watch your progress toward forgiveness
- See how many payments remain and your projected forgiveness date
- Never miss an income-recertification deadline

RAPTRACK PRO
- Projected forgiveness date and balance payoff outlook
- 25 / 50 / 75 / 100% milestone timeline
- Income-recertification reminders
- CSV + PDF export for your records
- Removes ads

NO ACCOUNT, NO BANK SYNC
Everything stays on your device. Enter your figures manually — RAPTrack never asks for a login.

Free users can preview Pro by watching a short ad. RAPTrack shows non-personalized ads only and never tracks you.

IMPORTANT: RAPTrack is an independent educational tool. It is not affiliated with, endorsed by, or connected to the U.S. Department of Education, Federal Student Aid, or any loan servicer. All payment and forgiveness figures are estimates based on the numbers you enter. Always confirm your official payment, payment count, and deadlines with your servicer or at StudentAid.gov.