You've heard it. Or you're about to. Someone in your class drops the phrase "RAP plan" and suddenly the whole table goes quiet. Because nobody really knows what it means, and everybody's scared to admit it.

July 1, 2026 changes everything about how dental students borrow and repay federal loans....

You got the letter of intent. The number looks right. The buyer's team has been professional, the process has moved quickly, and everyone keeps telling you this is a strong deal.

Then the Asset Purchase Agreement arrives — three hundred pages of legal language — and somewhere in Article 6 is the ...