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: Unlike previous plans that allowed for $0 payments, RAP requires a minimum payment of $10 per month , even for borrowers with no income.

: For those not using RAP, the Standard Repayment Plan now uses a tiered system based on your total debt: Under $25,000: 10-year term. $25,000–$50,000: 15-year term. $50,000–$100,000: 20-year term. $100,000+: 25-year term. Non-Loan Funding Alternatives

: The plan is designed to shield borrowers from "runaway interest," ensuring that full, on-time payments help reduce the actual principal balance over time.

: Any remaining balance is forgiven after 30 years of consistent repayment. Other Major Changes in 2026

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: Unlike previous plans that allowed for $0 payments, RAP requires a minimum payment of $10 per month , even for borrowers with no income.

: For those not using RAP, the Standard Repayment Plan now uses a tiered system based on your total debt: Under $25,000: 10-year term. $25,000–$50,000: 15-year term. $50,000–$100,000: 20-year term. $100,000+: 25-year term. Non-Loan Funding Alternatives

: The plan is designed to shield borrowers from "runaway interest," ensuring that full, on-time payments help reduce the actual principal balance over time.

: Any remaining balance is forgiven after 30 years of consistent repayment. Other Major Changes in 2026

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