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Income Driven Repayment (IDR) Options

Income-Driven Repayment (IDR) plans base monthly student loan payments on a borrower's adjusted gross income (AGI) and family size. The following are the primary Income-Driven Repayment plans:

Enroll in an Income-Driven Repayment Plan

Borrowers can use their Federal Student Aid (FSA) ID and the Repayment Estimator to determine their eligibility to enroll in an IDR plan:

  1. Register for a Federal Student Aid (FSA) ID: https://fsaid.ed.gov/npas/index.htm.
  2. Log into the Repayment Estimator with FSA ID: https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action.
  3. Enter adjusted gross income (AGI) and family size into the Repayment Estimator to determine IDR plan eligibility.
  4. Apply for an IDR plan online: https://studentloans.gov/myDirectLoan/ibrInstructions.action. Paper applications can be found here: http://www.ifap.ed.gov/dpcletters/attachments/GEN1222AttachFINAL1845dash0102Expires20151131.pdf.
  5. Once enrolled in an IDR plan, borrowers must annually recertify their income to remain enrolled in their chosen plan. Loan servicers will not remind borrowers to recertify their income. Borrowers who fail to recertify will be removed from their IDR plan.

IDR-Eligible Federal Student Loans

Borrowers may have federal loans that are not eligible for an IDR plan in their current form. Some IDR plans require borrowers to consolidate loans to become eligible for an IDR plan.

Obtain Federal Student Loan Information

Borrowers can identify loan type, disbursement date and loan servicer at the National Student Loan Data System with their FSA ID.