Federal Student Aid, an office of the U.S. Department of Education: Proud sponsor of the American mind. Federal Student Aid, an office of the U.S. Department of Education: Proud sponsor of the American mind.

Income-Driven Repayment Plan Request

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What is Income-Driven Repayment?

Income-driven repayment plans are designed to make your student loan debt more manageable by reducing your monthly payment amount. If you need to make lower monthly payments or if your outstanding federal student loan debt represents a significant portion of your annual income, one of the following income-driven plans may be right for you:

  • Revised Pay As You Earn Repayment Plan (REPAYE)
  • Pay As You Earn Repayment Plan (PAYE)
  • Income-Based Repayment Plan (IBR)
  • Income-Contingent Repayment Plan (ICR Plan)

    • Who should complete this?

    Those who are seeking a lower monthly payment on their federal student loans. You cannot use this tool if you are in default on all of your federal student loans, if you only have Parent PLUS Loans, or if none of your student loan servicers participate in this electronic application process.

    How long will it take?

    The entire Income-Driven Repayment process must be completed in a single session. Most people complete the process in 10 minutes or less.

    What do I need?

    New IDR Applicants

    I am not currently on an income-driven plan and I want to apply

    You can apply for an income-driven repayment plan that limits your payments to a percentage of your income.

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    START APPLICATION

    Returning IDR Applicants

    Submit annual re-certification of my income

    To re-certify for your existing income-driven repayment plan you must provide updated information about your income and family size annually.

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    SUBMIT RE-CERTIFICATION

    Recalculate my IDR monthly payment

    If your income or family size has changed you can request that your IDR payment be re-calculated to reduce your current monthly payment.

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    UPDATE INCOME INFO

    Switch my current IDR plan to a new IDR Plan

    If you are currently enrolled in an IDR plan and would like to switch to another IDR plan.

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    CHANGE IDR PLAN
    *OMB No. 1845-0102
    Form Approved
    Exp. Date 10/31/2018

    Preview a read-only version of the complete form