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What To Expect

The Income-Driven Repayment Plan Request is not available in Spanish. The Income-Driven Repayment Plan Request process must be completed in a single session which takes approximately 30 minutes to complete. The electronic request can be used for Income-Based (IBR), Pay As You Earn or Income-Contingent (ICR) repayment. You should understand the details of the plan you are interested in before you make a selection(s). Repayment plan information will be presented in steps 2 and 3 of this electronic request. For general information about all repayment plans click here. If you prefer to complete Income-Driven Repayment Plan Request via paper you may contact your servicer.

In this process, you will complete the following steps:

  1. Enter the Reference Number/Co-sign Code provided by your spouse.
  2. Enter your spouse's Social Security Number (SSN).
  3. Enter your personal information.
  4. Electronically sign and submit the completed Income-Driven Repayment Plan Request.

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