DENTAL STRATEGY INSTITUTE · FREE TOOL

The RAP Plan just changed
everything about your dental debt.

Grad PLUS is gone. Your repayment options just collapsed to two. Run the numbers before your first recertification catches you off guard.

Use the free RAP Bridge Calculator ↓

No account required · No data stored · Takes 2 minutes

$50k

New annual federal cap (pro students)

July 1

RAP effective date, 2026

30 yr

Forgiveness timeline under RAP

Three things every dental student needs to model

Built specifically for professional-degree borrowers — not English teachers with $35K in debt.

▲The payment spike - See exactly how much your monthly bill jumps when you recertify at associate income — and when the principal match subsidy disappears.

○ Federal vs. private bridge - With Grad PLUS gone, model your full monthly obligation stacking RAP + private gap loans side by side.

▼ AGI reduction strategies - See how 401(k), HSA, and SEP-IRA contributions lower your RAP payment — calculated live against your income.

Get the full RAP strategy guide — free

The blog post that goes with this calculator. Covers the principal match mechanics, the threshold problem, and the PSLF vs. refi decision in plain language.