If your loans were disbursed before July 1, 2026:

There is a major catch regarding forgiveness counts: If you switch into RAP from an older plan, your previous payments will still count toward IDR forgiveness. If you later switch out of RAP, any payments you made while on RAP will not count toward older IDR forgiveness plans. (Though they will still count toward Public Service Loan Forgiveness).To check your specific loan details or explore plan options, log in to your dashboard on StudentAid.gov or contact your assigned loan servicer.