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GOBankingRates
GOBankingRates
Dawn Allcot

TikTok Loan Myths That Could Cost You

TikTok Scott Buchanan TikTokers
Thomas Fuller / SOPA Images

As of July 2026, Americans with federal student loan debt will only have two options to pay it off: A standard repayment plan or the new Repayment Assistance Plan (RAP).

“RAP represents a meaningful step forward in simplifying the complex landscape of income-driven repayment plans,” said Ken Ruggiero, CEO of Ascent Funding.

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