Federal Student Loan Repayment Calculator

Side by side repayment simulator for Title IV loans under RAP, IBR, PAYE, and ICR.

Federal Student Loan Repayment & RAP Comparison Calculator

Deterministic Title IV repayment model comparing RAP, IBR, PAYE, ICR, and Tiered Standard.

Borrower Inputs

Aggregate outstanding principal balance across Direct Subsidized, Unsubsidized, and PLUS loans.

Line 11 on IRS Form 1040 representing annual household taxable earnings.

Statutory interest rate applicable to Title IV Direct Loans.

Borrower plus spouse and qualifying legal dependents.

HHS poverty baselines vary between Contiguous 48, Alaska, and Hawaii.

Monthly Repayment Obligations

RAP Monthly Payment
$0.00
IBR Monthly Payment (Capped)
$0.00
PAYE Monthly Payment
$0.00
ICR Monthly Payment
$0.00
Tiered Standard Monthly Payment
$0.00
Standard 10-Year Payment (Cap Baseline)
$0.00
RAP Monthly Interest Subsidy
$0.00

Key Statutory Rule Summary (Title IV)

Under Title IV 34 CFR Part 685, the Repayment Assistance Plan (RAP) establishes monthly obligations at ten percent of discretionary income exceeding 225 percent of the HHS Poverty Guideline. RAP automatically waives all unpaid monthly interest through statutory subsidies, preventing negative amortization across undergraduate and graduate balances.

Title IV Statutory Framework Overview

Federal student loan obligations are governed by Title IV of the Higher Education Act of 1965, codified at 34 CFR Part 685. Income-driven repayment programs calculate monthly commitments based upon adjusted gross income and family household size rather than outstanding loan balance.

By integrating annual Department of Health and Human Services Poverty Guidelines across all fifty states and territories, our simulation engine ensures deterministic calculation precision across every repayment option.

Statutory Authority & Provenance Citations

Cryptographic SHA-256 provenance hashes verify mathematical fidelity across all federal calculations.

Important Statutory Warning: Refinancing federal student loans permanently eliminates federal protections, including income-driven repayment (IDR), Public Service Loan Forgiveness (PSLF), federal interest subsidies, mandatory deferment, and forbearance options.
Regulatory & Affiliate Disclosure: Prexvo is an independent financial education and research publisher. We may receive compensation from partner networks (such as Splash Financial, SoFi, Credible, Earnest, or LendKey) when you click or qualify for loan offers at no additional cost to you. Prexvo does not provide personalized financial, investment, or legal advice.