• Fixed the RAP principal match for payments under $50: by law the match is the lesser of $50 or your monthly payment, so the projected balance after 30 years and the tax bomb estimate are now higher and correct for low payments. • IBR comparison uses the 2026 federal poverty guidelines and lets you choose the older IBR terms (loans before July 2014) and joint filing. • Enter your loan balance and interest rate directly on the Calculator — they are saved on your device. • The Income Simulator shows the real year-30 payment when the loan is paid off that year. • The recertification reminder only shows as set once notifications are allowed.

• A Done button now sits directly above the number keypad on every screen, and scrolling also closes the keyboard, so you can always get back to your results. • Purchases that take a little longer to confirm, for example with Face ID or your password, no longer show an error message.

Restoring a purchase now checks your existing purchase first. If the App Store sign-in prompt is dismissed or interrupted, your Pro unlock is no longer hidden behind an error message. Dismissing that prompt is also no longer reported as a failure.

Purchased features could sometimes be unavailable on a poor connection. This is fixed. Purchases and restores now report their status reliably.

Important corrections — please re-check any earlier estimates. • Plan comparison now counts the tax on a forgiven balance into RAP's total cost. Before, RAP could look cheaper than the Standard plan while actually costing more once that tax bill arrived. • The Tax Bomb estimate no longer assumes your income is frozen for 30 years. RAP recertifies every year, so you can now enter an expected income growth rate and see how the forgiven balance — and the tax on it — shrinks. • The Income Growth Simulator now knows your loan balance and stops payments once the loan is paid off. It previously kept charging for the full 30 years and could overstate the total several times over. • The onboarding tax estimate now shows your own calculated figure. If RAP pays your loan off, it correctly says so instead of warning about a tax bill that cannot happen. • The 30-year total on the calculator is now a real amortization instead of monthly payment × 360. • IBR: no $10 minimum. Below 150% of the federal poverty line an IBR payment is $0. • Clearer notes on joint filing, and the IBR row now shows its forgiveness horizon.

Fixed the Tax Bomb estimate for lower-income borrowers, corrected a comparison-screen labeling issue, and fixed the Pro Tax Bomb button. Small accuracy and consistency improvements throughout.

Updated the app for the latest release and improved launch handling.

Minor improvements and stability fixes.

This update improves accuracy of your forgiveness tax estimate and 30-year payoff projection: the calculator now models RAP's monthly interest waiver and the $50 matching principal payment, so your projected balance and tax bomb reflect the actual program rules. Also adds an optional, fully anonymous usage-statistics toggle (off switch in About) to help improve the app.

Bug fixes and improvements.

Clearer App Store experience and refined wording ahead of the July 1, 2026 RAP launch. The RAP calculator, plan comparison, scenarios, and tax-bomb estimator are unchanged.

Stability improvement: Pro upgrade now waits reliably for product loading and shows a clear error if the network is unavailable.