RAP or IBR which is better?

I'm 17 payments into PSLF. In preparation of being forced off SAVE I'm looking at options. My loans are pre 2009. I own $386,000. RAP is about half of IBR based in my current AGI. My AGI will rise over the next 8.5 years.

What are the cons of RAP? It seems too good to be true and I have trust issues.

Posted Jun 30, 2026, 2:49 AM UTC

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