The quickest and easiest way to submit your request for ICR is online. You will need your FSA ID, personal information, spouse information (if applicable), and income information to complete the request.

Moving between IDR plans is not currently available as processing is still paused, but you can apply for an IDR plan online. Please visit StudentAid.gov/loan-simulator to review your options.

2025年3月26日 · Legal Repayment Options for Borrowers Borrowers can now apply for the Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income-Contingent Repayment (ICR) Plans using the updated IDR application at StudentAid.gov/idr. Borrowers may also apply to consolidate their loans through a revised application form.

Federal Student Aid offers income-driven repayment plans based on your income and family size.

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 unique benefits that can lower payments for many borrowers. Applying is free. You can estimate your monthly payments under different repayment plans using Loan Simulator.

Income Driven Repayment (IDR) Forgiveness 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. If you are participating in an IDR plan, you can use the following link to log in to your account at StudentAid.gov to

Fill out an application for an income-driven repayment (IDR) plan or recertify your existing IDR plan to potentially lower your student loan payments.

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 student loan debt. If your current loan payment is high compared to your income, we recommend you repay your loan (s) under one of the following income-driven plans.

2016年3月30日 · The Income-Contingent Repayment (ICR) plan costs more each month than other income-driven student loan repayment plans offered by the federal government.

2023年8月22日 · Income-Contingent Repayment, or ICR, is one of the plan options under the federal government’s Income-Driven Repayment (IDR) program that’s designed to help borrowers who are having difficulty making payments under the Standard Repayment Plan. Like other IDR plans, ICR allows you to repay your student loans based on your income level.