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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. This 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 your personal information.
  2. Provide your income information by using the IRS Data Retrieval Tool. If you are unable to transfer your income information from the IRS Tool or do not agree that the Adjusted Gross Income (AGI) is accurate, you will be given instructions on how to submit a paper request and evidence of your income to your servicer(s).
  3. Read the terms and conditions.
  4. Review, electronically sign and submit the completed Income-Driven Repayment Plan Request. (If applicable, your spouse must also complete their portion and electronically sign the Income-Driven Repayment Plan Request you began.)

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