We Both Have Student Loans. Does RAP Make Us Pay Twice?

The Question

My husband and I both have student loans ($48,000 for me and $52,000 for him). I applied to move to RAP last month after I got a SAVE forbearance notice. We file jointly and our combined AGI is around $118,000.

I used a calculator that showed one household payment of roughly $980. But when we each looked at our accounts, we’re each being billed close to $980. That’s ...