What To Expect

The IBR/Pay As You Earn/ICR Request is not available in Spanish. The IBR/Pay As You Earn/ICR Request process must be completed in a single session which takes approximately 30 minutes to complete. The electronic request can be used for IBR, Pay As You Earn or ICR. 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 the Income-Based (IBR)/Pay As You Earn/Income-Contingent (ICR) 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 IBR/Pay As You Earn/ICR Request.

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