Should You Choose IBR or RAP After the SAVE Plan Ends (2026)

If you’re currently on the SAVE plan, you’re going to need to make a decision soon — move to IBR, switch to RAP, or consider another strategy. In this video, I break down: How RAP actually works The key differences between RAP and IBR Why lower payments can be misleading The most common mistake borrowers make when switching plans And how to think about this decision correctly This is not a one-size-fits-all answer. The right choice depends on your income, loan balance, family size, and long-term strategy.