College Loan May 2026

: Limited to $50,000 per year (lifetime cap of $200,000).

: Monthly payments are set at 1% to 10% of your annual adjusted gross income. college loan

: For those not using RAP, the Standard Repayment Plan now uses a tiered system based on your total debt: Under $25,000: 10-year term. $25,000–$50,000: 15-year term. $50,000–$100,000: 20-year term. $100,000+: 25-year term. Non-Loan Funding Alternatives : Limited to $50,000 per year (lifetime cap of $200,000)