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Story summary
- U.S. Education Department will launch the Repayment Assistance Program (RAP) on July 1, 2026, with payments of 1%–10% of earnings, a $10 minimum, and based on income (AGI).
- An AGI of $59,999 yields $50 monthly, $600 less annually than $60,000 AGI.
- Adding $1,001 to a 401(k) or IRA drops AGI to $69,999, cuts RAP payment from $414 to $350, each dependent cuts payment $50, and health-savings contributions lower taxable wages.
