First, if you’re in an IDR they aren’t based on paying off the loan. If that’s your goal you’re in the wrong plan. Second, that’s not how RAP works. RAP will cover the rest of your interest if the monthly payment doesn’t, but if you pay $600 and accrue $800 in interest, the only thing going toward your principal is the matching $50 payment from RAP.
2026-09-08 03:26:32
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