Student loan RAP payment calculator, 2026 federal loan limits, SAVE/PAYE/ICR end dates (OBBBA).
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Calculates the federal student loan Repayment Assistance Plan (RAP) payment created by the One Big Beautiful Bill Act (P.L. 119-21, HEA sec. 455(q)), open since July 1, 2026. Base payment is 1% to 10% of the WHOLE AGI by $10,000 band ($120 a year flat at $10,000 or less, 10% above $100,000), divided by 12, minus $50 per dependent, never below $10. With balance and rate it also shows the first month: interest paid first, unpaid interest waived (interest subsidy), the up-to-$50 principal match, and a constant-income projection to payoff or cancellation after 360 qualifying payments. Copied from the statute text, not model memory.
Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately).
Weighted annual interest rate in percent, for example 6.53. Required with balance.
Total RAP-eligible Direct Loan balance in dollars (optional).
Number of IRC sec. 152 dependents claimed. Default 0.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
claude mcp add --transport http student-loan-repayment-assistance-plan-calculator-mcp https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp
Calculates the federal student loan Repayment Assistance Plan (RAP) payment created by the One Big Beautiful Bill Act (P.L. 119-21, HEA sec. 455(q)), open since July 1, 2026. Base payment is 1% to 10% of the WHOLE AGI by $10,000 band ($120 a year flat at $10,000 or less, 10% above $100,000), divided by 12, minus $50 per dependent, never below $10. With balance and rate it also shows the first month: interest paid first, unpaid interest waived (interest subsidy), the up-to-$50 principal match, and a constant-income projection to payoff or cancellation after 360 qualifying payments. Copied from the statute text, not model memory.
| Argument | Type | Description |
|---|---|---|
| agi* | number | Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately). |
| rate | number | Weighted annual interest rate in percent, for example 6.53. Required with balance. |
| balance | number | Total RAP-eligible Direct Loan balance in dollars (optional). |
| dependents | integer | Number of IRC sec. 152 dependents claimed. Default 0. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"agi"
],
"properties": {
"agi": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately)."
},
"rate": {
"type": "number",
"maximum": 20,
"minimum": 0,
"description": "Weighted annual interest rate in percent, for example 6.53. Required with balance."
},
"balance": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Total RAP-eligible Direct Loan balance in dollars (optional)."
},
"dependents": {
"type": "integer",
"maximum": 30,
"minimum": 0,
"description": "Number of IRC sec. 152 dependents claimed. Default 0."
}
},
"additionalProperties": false
}Compares the new Repayment Assistance Plan with the Tiered Standard plan (P.L. 119-21: 10 years under $25,000, 15 under $50,000, 20 under $100,000, 25 at $100,000 or more) and, for borrowers with no loan made on or after July 1, 2026, the 10-year Standard plan. Returns monthly payment, months, total paid, interest waived, principal match and the amount cancelled after 360 RAP payments, assuming constant income and on-time payments. Says which plans count for PSLF (RAP yes, Tiered Standard no).
| Argument | Type | Description |
|---|---|---|
| agi* | number | Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately). |
| rate* | number | Weighted annual interest rate in percent. |
| balance* | number | Total Direct Loan principal in dollars. |
| dependents | integer | Number of IRC sec. 152 dependents claimed. Default 0. |
| has_loan_on_or_after_2026_07_01 | boolean | True if any Direct Loan (including a consolidation loan) was made on or after July 1, 2026. Then the old 10-year Standard plan is not available. Default false. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"balance",
"rate",
"agi"
],
"properties": {
"agi": {
"type": "number",
"maximum": 100000000,
"minimum": 0,
"description": "Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately)."
},
"rate": {
"type": "number",
"maximum": 20,
"minimum": 0,
"description": "Weighted annual interest rate in percent."
},
"balance": {
"type": "number",
"maximum": 100000000,
"description": "Total Direct Loan principal in dollars.",
"exclusiveMinimum": 0
},
"dependents": {
"type": "integer",
"maximum": 30,
"minimum": 0,
"description": "Number of IRC sec. 152 dependents claimed. Default 0."
},
"has_loan_on_or_after_2026_07_01": {
"type": "boolean",
"description": "True if any Direct Loan (including a consolidation loan) was made on or after July 1, 2026. Then the old 10-year Standard plan is not available. Default false."
}
},
"additionalProperties": false
}Returns federal Direct Loan borrowing limits in force on a date. From July 1, 2026 (P.L. 119-21 sec. 81001): Grad PLUS ends for new borrowers; graduate unsubsidized $20,500 a year / $100,000 aggregate; professional $50,000 a year / $200,000 aggregate; Parent PLUS $20,000 a year and $65,000 total per dependent student across all parents; $257,500 lifetime cap; less-than-full-time proration; the interim exception for students enrolled with a loan on June 30, 2026. Undergraduate limits ($5,500-$7,500 dependent, $9,500-$12,500 independent) from the FSA Handbook.
| Argument | Type | Description |
|---|---|---|
| date | string | Date the period of instruction begins, YYYY-MM-DD. Default today (2026-11-02). |
| borrower_type | string | dependent_undergraduate, independent_undergraduate, graduate, professional, parent_plus or all (default). |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"date": {
"type": "string",
"description": "Date the period of instruction begins, YYYY-MM-DD. Default today (2026-11-02)."
},
"borrower_type": {
"enum": [
"dependent_undergraduate",
"independent_undergraduate",
"graduate",
"professional",
"parent_plus",
"all"
],
"type": "string",
"description": "dependent_undergraduate, independent_undergraduate, graduate, professional, parent_plus or all (default)."
}
},
"additionalProperties": false
}Lists the dated steps of the federal student loan repayment overhaul: SAVE ended by court order (March 2026) with 90-day servicer notices from July 1, 2026 plus a final 30-day notice; RAP and the Tiered Standard plan from July 1, 2026; deferment and forbearance limits on loans from July 1, 2027; PAYE and ICR end and remaining borrowers move to RAP or IBR on July 1, 2028; the Parent PLUS consolidation deadline of June 30, 2028. Marks each as past or upcoming against a date and gives the current status of every plan.
| Argument | Type | Description |
|---|---|---|
| on_date | string | Reference date YYYY-MM-DD for past/upcoming. Default 2026-11-02. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"on_date": {
"type": "string",
"description": "Reference date YYYY-MM-DD for past/upcoming. Default 2026-11-02."
}
},
"additionalProperties": false
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 2, 2026.