You can get Loan Repayment Assistance Programs (LRAP’s) from a variety of sources, often from schools, employers, states and the federal government. How do they work? LRAPs differ from repayment plans, like Income-Based Repayment, and loan forgiveness programs, like PSLF.  Rather than lowering your payment amount or providing forgiveness of your educational loans in the future, LRAPs provide funds now to make those monthly payments on your loans. […]