The new RAP plan has gotten plenty of criticism, but it might not be all bad news for every borrower. Learn where RAP could help, where it could hurt, and why the right strategy depends so much on your income, forgiveness goals, and long-term financial picture.

Key moments:

(03:10) Who the RAP plan might actually help

(06:37) RAP affects forgiveness timelines and PSLF strategy

(08:20) Forecasting future income before choosing RAP

(10:51) Married filing separately and lowering AGI under RAP

(22:03) Extra payments and last-minute plan switching may backfire

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