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Index/Topics/FY2025 Reconciliation Law

FY2025 Reconciliation Law

The FY2025 reconciliation law created RAP and consolidated IDR options.

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Jan 26, 2026
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What are the detailed income percentage tiers (breakpoints) used by RAP and how were they set?

The replaces prior income‑driven models with a tiered schedule that charges a set percentage of adjusted gross income (AGI) that rises with earnings — broadly described in reporting as ranging from ab...

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