Capitalization scenarios

Leaving SAVE. Don’t want current interest to capitalize (loans from 2020), not as concerned about monthly payment. Could anyone fill in the 3 following scenarios on if they would trigger a capitalization event?

SAVE -> RAP ?
SAVE -> Standard ?

Later on, if situation/income declines, moving from
Standard into -> RAP?
Any issues otherwise later moving from standard into Rap

Posted Jul 4, 2026, 6:39 PM UTC

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