AAMC Webinar: OB3 and PSLF update (November 2025)

Started by Mr.Smile12
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Thanks for sharing the webinar. With OB3 now signed and RAP going live July 1, the PSLF pathway looks different for a lot of borrowers. The key change most people miss: under RAP, the 225% FPL threshold means more income is shielded before the 10% kicks in vs IBR's 150% FPL — but the 30-year forgiveness window (vs 20-25 years on IBR) changes the total cost significantly depending on income trajectory.

For anyone trying to model which path makes more sense before July 1, RAPlan is worth checking — it runs both scenarios side by side with the PSLF eligibility check built in.