RAP vs. IDR: Who Should Switch & Why This New Plan Might Save You Thousands

Stanley Tate and Atty. Joshua Cohen breaks down the new RAP student loan repayment plan. They explain how RAP compares to SAVE and IBR, what’s changing with family size rules, and who should consider switching. If you have Parent PLUS loans or a high balance, there are deadlines and trade-offs you need to know. Start planning now before RAP goes live in 2026.