The RAP plan (Repayment Assistance Plan) goes live July 1, 2026 — and if you have federal student loans, you need to know what this changes.

In this episode, Kristin sits down with Kaitlin Hile (PharmD, BCCP) to break down what RAP is, how it works, and how to know whether it’s actually the right income-driven repayment plan for your situation (especially if you’ve been on SAVE or were planning to use SAVE).

Inside, you’ll hear:

• What RAP replaces and why payments may look different than SAVE
• The simple way RAP payments are calculated (and why AGI strategy matters)
• Who may be better served by a different IDR option depending on when they borrowed
• The big tradeoff to understand before you commit to an income-driven path long-term
• What to do now so you’re not scrambling when Jul ...