On an income-driven repayment (IDR) plan, your monthly payment is based on your income and family size. Our newest IDR plan, the Saving on a Valuable Education (SAVE) Plan, has …

IDR plans may offer lower payments because they are based on your income and family size. Payments can be as low as $0 per month, depending on your circumstances.

Learn about income-driven repayment plans for federal student loans, including eligibility, application process, and benefits.

After you make 20-25 years of qualifying payments on an IDR plan, your remaining loan balance (s) may be forgiven. These repayment plans also work for Public Service Loan Forgiveness.

Income-driven repayment plans are designed to make repaying your student loan debt more manageable by basing your monthly payment amount on your income, family size, and federal …

The tool helps you review different student loan repayment plans and compare estimated monthly payments, total paid over time, and more. Under some income-driven repayment (IDR) plans, …

IDR processing has resumed for IBR, PAYE, and ICR applications for borrowers who file taxes as single, or married with no income. All other IDR applications will remain on hold at this time.

Learn how to apply for an Income-Driven Repayment (IDR) plan and manage your federal student loans.

Apply for a new income-driven repayment (IDR) plan or recertify an existing IDR plan on this page. IDR plans often provide a lower monthly payment compared to other plans because …

IDR processing has resumed for IBR, PAYE, and ICR applications for borrowers who file taxes as single, or married with no income. All other IDR applications will remain on hold at this time.