The RAP vs. IBR 2026 Cliff refers to the June 30, 2026, deadline when the Repayment Assistance Plan (RAP) replaces Income-Based Repayment (IBR) for new enrollees, often resulting in higher monthly payments for those who fail to consolidate before the "cliff" date.
For many, this cliff represents a $200-$400 monthly jump in expenses. Understanding your consolidation windows is critical to avoiding this spike...
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