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. 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 the Income-Based (IBR)/Pay As You Earn/Income-Contingent (ICR) Repayment Plan Request via paper 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 IBR/Pay As You Earn/ICR Request. (If applicable, your spouse must also complete their portion and electronically sign the IBR/Pay As You Earn/ICR Request you began.)

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