RAP vs IBR

RAP belongs inside a comparison lane, not a hype lane. For many borrowers, the practical question is not “How do I buy RAP?” but “Which legal repayment option actually fits this case once the current status is confirmed?”

What this page is for

• Understanding that RAP is a route to compare, not a magic standalone product.
• Seeing why IBR may still be the more practical move in some cases.
• Keeping the packet grounded in real statements, income truth, and deadlines.

Gather first

• Current servicer statement.
• Any SAVE, IDR, or plan-change notice.
• Current income documentation only if it affects the comparison.

Why Lentara helps

Lentara keeps the comparison inside one calm packet-prep lane, then returns the packet with exact next-step instructions instead of making you guess which route was actually chosen.