RAP payment by income and household
Year-one monthly payment under RAP, with IBR (10% version) beside it. Click a figure for balances, totals and the reasoning.
| AGI | single, no dependents RAP / IBR | single parent with one child RAP / IBR | married filing jointly with two children RAP / IBR |
|---|---|---|---|
| $25,000 | $41.67 / $10.00 | $10.00 / $0.00 | $10.00 / $0.00 |
| $35,000 | $87.50 / $92.17 | $37.50 / $21.17 | $10.00 / $0.00 |
| $45,000 | $150.00 / $175.50 | $100.00 / $104.50 | $50.00 / $0.00 |
| $55,000 | $229.17 / $258.83 | $179.17 / $187.83 | $129.17 / $45.83 |
| $65,000 | $325.00 / $342.17 | $275.00 / $271.17 | $225.00 / $129.17 |
| $75,000 | $437.50 / $425.50 | $387.50 / $354.50 | $337.50 / $212.50 |
| $90,000 | $600.00 / $550.50 | $550.00 / $479.50 | $500.00 / $337.50 |
| $110,000 | $916.67 / $717.17 | $866.67 / $646.17 | $816.67 / $504.17 |
| $130,000 | $1,083.33 / $883.83 | $1,033.33 / $812.83 | $983.33 / $670.83 |
| $160,000 | $1,333.33 / $1,133.83 | $1,283.33 / $1,062.83 | $1,233.33 / $920.83 |
2026 poverty guidelines for the 48 states and DC. Married figures use combined AGI. Not financial or legal advice; methodology.