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Several million borrowers may lose access to affordable payments and eventual student loan forgiveness if they don’t take specific steps by April 1, 2026.

The federal Repayment Assistance Plan, or RAP, will be the newest student loan repayment plan. President Donald Trump’s “big, beautiful bill,” passed in 2025, made many changes to federal student loan programs. RAP will replace most existing income-driven repayment student loan forgiveness programs. It will roll out July 1, 2026.

One significant change that’s coming: all federal student loans will be streamlined under one new repayment assistance program.

Use our free student loan calculator to estimate your monthly student loan payment under the various student loan repayment plans: Standard, Graduated, Extended, IBR, PAYE, and ICR. Check out this calculator for the proposed Repayment Assistance Plan (RAP).