IDR Form Redlined

Income-Driven Repayment (IDR)
Plan Request
Pay As You Earn (PAYE), Income-Based
Repayment (IBR), and Income-Contingent
Repayment (ICR), and Pay As You Earn
(PAYE) plans under the William
D. Ford Federal Direct Loan (Direct Loan)
Program and Federal Family Education
Loan (FFEL) Programs

OMB No. 1845-0102
Form ApprovedUnder
Review
Exp. Date:08/01/2025 TBD

WARNING/IMPORTANT: Any person who knowingly makes a false statement or misrepresentation
on this form or on any accompanying document is subject to penalties that may include fines,
imprisonment, or both, under the U.S. Criminal Code and 20 U.S.C. 1097.

Section 1: Borrower Information
Please enter or correct the following information.
Check this box if any of your information has changed.
Social Security Number (SSN):
Name:
Address:
City:

State:

Zip Code:

Telephone:
Email (optional):

Section 2: Repayment Plan or Recertification Request
It's faster and easier to complete this form online at StudentAid.gov. You can learn more at
StudentAid.gov/lDR and by reading Sections 10 and 11. It's simple to get repayment estimates at
StudentAid.gov/loan-simulator. You never need to pay for assistance completing this form, contact
your loan holder or servicer for free assistance. You can find out who your loan holder or servicer is
at StudentAid.gov/login. You may have to report any loan amount forgiven under an income-driven
plan as taxable income when you file your federal and/or state tax returns.
1. Select the reason you are submitting this form (Check only one)
I want to enter an income-driven plan – Continue to Item 2.
I am submitting documentation for the annual recertification of my income-driven payment –
Skip to Item 3.

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Borrower’s Name:

Borrower’s SSN:

I am submitting documentation early to have my income-driven payment recalculated
immediately – Skip to Item 3.
I want to change to a different income-driven plan – Continue to Item 2.
2. Choose a plan and then continue to Item 3.
IBR

PAYE

ICR

Note: If you have FFEL Program loans, they are only eligible for IBR. If you have Direct Consolidation
Loans that repaid Parent PLUS loans, they are only eligible for ICR (you are then eligible to apply for IBR
after having made at least one payment under the ICR Plan - See Section 10).

3. Do you have multiple loan holders or servicers?
Yes – Submit a request to each holder or servicer – Continue to Item 4.
No – Continue to Item 4.
4. Are you currently in deferment or forbearance? After answering continue to Item 5.
No.
Yes, but I want to start making payments under my plan immediately.
Yes, and I do not want to start repaying my loans until the deferment or forbearance ends.

Section 3: Family Size Information
5. How many children, including unborn children, are in your family and receive more than half of
their support from you?

6. How many other people, excluding your spouse and children, live with you and receive more
than half of their support from you?

Note: A definition of "family size" is provided in Section 10. Do not enter a value for you or your spouse.
Those values are automatically included in your family size, if appropriate.

Section 4A: Marital Status Information
7. What is your marital status?
Single – Skip to Item 11.
Married – Continue to Item 8.
Married, but separated or unable to reasonably access my spouse’s income information –
You will be treated as single. Skip to Item 11.
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Borrower’s Name:

Borrower’s SSN:

8. When you filed your last federal income tax return, did you file jointly with your spouse?
Yes – Continue to Item 9.
No – Skip to Item 11.
9. Does your spouse have federal student loans?
Yes – Continue to Item 10.
No – Skip to Item 13.
10. Provide the following information about your spouse and then skip to Item 13:
Spouse’s SSN
Spouse’s Name
Spouse’s Date of Birth

Section 4B: Income Information for Single Borrowers and Married Borrowers
Treated as Single
11. Has your income significantly decreased, or your marital status changed since you filed
your last federal income tax return?
For example, have you lost your job, experienced a drop in income, or gotten divorced, or did
you most recently file a joint return with your spouse, but you have since become separated.
Yes – Continue to Item 12.
No – Provide your most recent federal income tax return or transcript
and skip to Section 5A.
I haven't filed a federal income tax return in the last two years – Continue to Item 12.
12. Do you currently have taxable income?
Check "No" if you do not have any income or receive only untaxed income.
Yes – Provide documentation of your income as instructed in Section 5B. Skip to that
section.
No – You are not required to provide documentation of your income. Skip to Section 6
Note: Any person who knowingly makes a false statement or misrepresentation on this form can be
subject to penalties including fines, imprisonment, or both.

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Borrower’s Name:

Borrower’s SSN:

Section 4C: Income Information for Married Filing Jointly
13. Has your income significantly decreased since you filed your last federal income tax return?
For example, have you lost your job or experienced a drop in income?
Yes – Skip to Item 15.
No – Continue to Item 14.
We haven't filed a federal income tax return in the last two years - Skip to Item 15.
14. Has your spouse's income significantly decreased since your spouse filed their last federal
income tax return?
For example, has your spouse lost their job or experienced a drop in income?
Yes – Continue to Item 15.
No – Provide your and your spouse's most recent federal income tax return or transcript and
skip to Section 5A.
15. Do you currently have taxable income?
Check "No" if you do not have any income or receive only untaxed income.
Yes – You must provide documentation of your income according to the instructions in
Section 5B. Continue to Item 16.
No – You are not required to provide documentation of your income. Continue to Item 16.
16. Does your spouse currently have taxable income?
Check "No" if your spouse does not have any income or receives only untaxed income.
Yes – Skip to Section 5B and provide documentation of your spouse's income as instructed
in that section.
No – You are not required to provide documentation of your spouse's income. If you selected
"Yes" to Item 15, skip to Section 5B and document your income. If you selected "No" to
Item 15, skip to Section 6.
Note: Any person who knowingly makes a false statement or misrepresentation on this form can be
subject to penalties including fines, imprisonment, or both.

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Borrower’s Name:

Borrower’s SSN:

Section 5A: Authorization to Retrieve Federal Tax Information from the IRS
This section is intended for borrowers holding Direct Loans only. If you have Federal Family Education
Loan (FFEL) Program loans with a remaining balance, you must skip to section 5B.
By accepting below, you will be: (1) consenting to the U.S. Department of Education disclosing certain
information about you to the U.S. Department of the Treasury, Internal Revenue Service (IRS); (2)
affirmatively approving the U.S. Department of Education obtaining your Federal Tax Information (FTI)
from the IRS for certain purposes on an annual basis, as described below; and (3) agreeing that your
approval will be ongoing until you fulfill your repayment obligations under an income-driven repayment
(IDR) plan, withdraw from your IDR plan, or, as described below, revoke your approval and consent, as
further described below. You are not required to provide your consent, approval, or agreement as a
condition of eligibility for an IDR plan but, if approval and consent are not provided, you are required to
provide alternative documentation of income (as described in Section 5B).

By checking ‘I approve, consent, and agree’ below, I consent to, affirmatively approve of, and
agree to, as applicable, the following:
1. The U.S. Department of Education may disclose my Social Security number (SSN)/Taxpayer
Identification Number (TIN), last name, and date of birth that I provided in Section 1 (Borrower
Information) of this form, as well as my unique identifier and the tax year for which FTI is required,
to the IRS for the U.S. Department of Education to receive my FTI for the purpose of, and to the
extent necessary in, determining my eligibility for, or repayment obligations under, IDR plans as
authorized under part D of title IV of the Higher Education Act of 1965, as amended, as described
in 26 U.S.C. § 6103(l)(13)(A);
2. The U.S. Department of Education may use my FTI on an annual basis for the purposes of
determining my eligibility for, and repayment obligations under, a qualifying IDR plan until I fulfill
my repayment obligations under an IDR plan, withdraw from my IDR plan, or, as described below,
revoke my approval and consent; and
3. The U.S. Department of Education may automatically execute the recertification of eligibility
determination and repayment obligations for a qualifying IDR plan on an annual basis until I fulfill
my repayment obligations under an IDR plan, withdraw from my IDR plan, or, as described below,
revoke my approval and consent.
By checking ‘I approve, consent, and agree’ below, I further understand that:
1. During recertification, my eligibility and monthly payment amount for a previously approved IDR
plan may change based on the FTI that the U.S. Department of Education receives from the IRS
when my IDR plan is automatically recertified on annual basis;
2. I am also providing my written consent for the redisclosure of my FTI by the U.S. Department of
Education to the Office of Inspector General of the U.S. Department of Education for audit
purposes, as described in 26 U.S.C. § 6103(l)(13)(D)(iv); and

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Borrower’s Name:

Borrower’s SSN:

3. I may revoke my consent for the disclosure of the SSN/TIN, last name, and date of birth
information that I provided in Section 1 (Borrower Information) of this form, as well as my unique
identifier and the tax year for which FTI is required, and my affirmative approval for the receipt and
use of my FTI by the U.S. Department of Education within the user settings of my account at
StudentAid.gov. (You must be logged into your account with your FSA ID in order to revoke
approval and consent.) However, by revoking my affirmative approval and consent, I understand
and acknowledge that the U.S. Department of Education will be unable to automatically determine
my eligibility for, and repayment obligations under, an IDR plan on an annual basis, and will
require that I, and my spouse (if applicable), provide alternative documentation of income on an
annual basis if I wish to continue participating in an IDR plan.
I APPROVE, CONSENT, and AGREE and certify under penalty of perjury under the laws of
the United States of America, that the foregoing is true and correct, and that I am the person
named in Section 1 (Borrower Information) of this form providing consent to disclose and
authorize the disclosure of my records, as set forth above. I further authorize the disclosure
of my personally identifiable information, as outlined above, to the IRS for ED to receive my
FTI for purposes of determining my eligibility for, or repayment obligations under, an IDR plan
request. I understand that any falsification of this statement is punishable under the
provisions of 18 U.S.C. § 1001 by a fine, imprisonment of not more than five years, or both,
and that the knowing and willful request for or acquisition of a record pertaining to an
individual under false pretenses is a criminal offense under the Privacy Act of 1974, as
amended, subject to a fine of not more than $5,000 (5 U.S.C. § 552a(i)(3)). (Skip to
Section 6)
I DO NOT approve, consent, and agree to the disclosure of my information to the IRS for the
U.S. Department of Education to receive my FTI, as described above. (Continue to Section
5B).

Section 5B: Instructions for Documenting Current Income
If you were directed here from Section 5A, provide your most recent federal tax return or tax
transcript, and skip to Section 6.
If you were directed here based on your answers in Section 4, you and your spouse (if applicable)
must provide documentation of your current income instead of a federal tax return or tax transcript.
This is the income you must document:


You must provide documentation of all taxable income you and your spouse (if applicable)
currently receive.



Taxable income includes, for example, income from employment, unemployment income,
dividend income, interest income, tips, and alimony.

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Borrower’s Name:



Borrower’s SSN:

Do not provide documentation of untaxed income such as Supplemental Security Income, child
support, or federal or state public assistance.

This is how you document your income:


The date on any supporting documentation you provide must be no older than 90 days from
the date you sign this form.



Documentation will usually include a pay stub or letter from your employer listing your gross
pay.



Write on your documentation how often you receive the income, for example, “twice per
month” or “every other week."



You must provide at least one piece of documentation for each source of taxable income.



If documentation is not available or you want to explain your income, attach a signed
statement explaining each source of income and giving the name and the address of each
source of income.



Copies of documentation are acceptable.

After gathering the appropriate documentation, continue to Section 6.

Section 6: Borrower Requests, Understandings, Authorization and Certification
If I am requesting an income-driven repayment plan or seeking to change income-driven repayment
plans, I request:


That my loan holder place me on the plan I selected in Section 2 to repay my eligible Direct
Loan or FFEL Program loans held by the holder to which I submit this form.



If I do not qualify for the plan or plans I requested, or did not make a selection in Item 2, my
loan holder will reject my application and





If I am currently not in an IDR plan, my loan holder will maintain my enrollment in my
current plan or if I have not yet entered repayment, I will be placed in the 10-year
Standard or Consolidated Standard plan as appropriate.
If I am currently in an IDR plan that I qualify for, my loan holder will maintain my
enrollment in my current plan, or
If I no longer qualify for the plan that I am currently enrolled in, my loan holder will
place me in a general forbearance and ask me to submit a new IDR application or
change to a non-IDR repayment plan. If I am currently enrolled in the SAVE plan and
fail to submit a new IDR application, I will remain in forbearance.the 10-year
Standard Plan or Standard Extended Plan as appropriate.

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Borrower’s Name:

Borrower’s SSN:

If I am not currently on an income-driven repayment plan, but I did not complete Item 1 or I incorrectly
indicated in Item 1 that I was already in an income-driven repayment plan, I request that my loan
holder treat my request as if I had indicated in Item 1 that I wanted to enter an income-driven
repayment plan.
If I am currently repaying my Direct Loans under the IBR plan and I am requesting a change to a
different income-driven plan, I request a one-month general forbearance (unless I decline the
forbearance), to help me move from IBR to the new income-driven plan I requested.
I request a one-month general forbearance to help me move from the IBR plan to a different
repayment plan.
I understand that:


If I do not provide my loan holder with this completed form and any other required
documentation, I will not be placed on the plan that I requested or my request for recertification
or recalculation will not be processed.



I may choose a different repayment plan for any loans that are not eligible for income-driven
repayment.



If I am requesting a change from the IBR Plan to a different income-driven repayment plan, I
may decline the one- month reduced payment general forbearance described above by
contacting my loan holder. If I decline the forbearance, I will be placed on the Standard
Repayment Plan and cannot change repayment plans until I make one monthly payment
under that plan.



If I am requesting the ICR plan , so that I can then enter the IBR Plan as permitted by the
One Big Beautiful Bill Act, I must make one full payment under the ICR Plan before submitting
a separate IDR application requesting a change to the IBR Plan. my initial payment amount
will be the amount of interest that accrues each month on my loan until my loan holder
receives the income documentation needed to calculate my payment amount. If I cannot
afford the initial payment amount, I may request a forbearance by contacting my loan
holder.



If I am married and I request the ICR plan, my spouse and I have the option of repaying our
Direct Loans jointly under this plan. My loan servicer can provide me with information about
this option.



If I have FFEL Program loans, my spouse may be required to give my loan holder access to
their information in the National Student Loan Data System (NSLDS). If this applies to me, my
loan holder will contact me with instructions.



My loan holder may grant me a forbearance while processing my application or to cover any
period of delinquency that exists when I submit my application.

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Borrower’s Name:

Borrower’s SSN:

I authorize the entity to which I submit this request and its agents to contact me regarding my
request or my loans at any cellular telephone number that I provide now or in the future using
automated telephone dialing equipment or artificial or prerecorded voice or text messages.

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Borrower’s Name:

Borrower’s SSN:

If I approved (by checking the box in Section 5A) the authorization for the Department to retrieve my
FTI from the IRS, I further consent to the disclosure by the Department of my personally identifiable
information to the IRS, as described in Section 5A, and agree to the conditions to permit the
disclosure of my FTI for purposes of this IDR plan request.
I certify under penalty of perjury under the laws of the United States of America, that all information I
have provided on this form and in any accompanying documentation is true, complete, and correct to
the best of my knowledge and belief. I further certify that I will repay my loans according to the terms
of my promissory note and repayment schedule.
Borrower’s Signature:
Date (mm/dd/yyyy):

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Please omit pages 10–16 when mailing or faxing back.

Section 7: Where to Send the Completed Form
Return the completed form and any documentation to: (If no address is shown, return to your loan
holder.)

Section 8: Help With Completing the Form
If you need help completing this form, call: (If no phone number is shown, call your loan holder.)

Section 9: Instructions For Completing the Form
Type or print using dark ink. Enter dates as month/day/year (mm/dd/yyyy). Example: March 14, 20252026
= 03/14/20252026. Include your name and account number on any documentation that you are
required to submit with this form. Return the completed form and any required documentation to the
address shown in Section 7.

Section 10: Definitions
Common Definitions For All Plans:
Capitalization is the addition of unpaid interest to the principal balance of your loan. This will
increase the principal balance and the total cost of your loan.
A deferment is a period during which you are entitled to postpone repayment of your loans. Interest
is not generally charged to you during a deferment on your subsidized loans. Interest is always
charged to you during a deferment on your unsubsidized loans.
The William D. Ford Federal Direct Loan (Direct Loan) Program includes Direct Subsidized
Loans, Direct Unsubsidized Loans, Direct PLUS Loans, and Direct Consolidation Loans.
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Family size always includes you and your children (including unborn children who will be born during
the year for which you certify your family size), if the children will receive more than half their support
from you. If you are married, your family size always includes your spouse.
For all plans, family size also includes other people only if they live with you now, receive more than
half their support from you now, and will continue to receive this support for the year that you certify
your family size. Support includes money, gifts, loans, housing, food, clothes, car, medical and dental
care, and payment of college costs. Your family size may be different from the number of exemptions
you claim for tax purposes.
The Federal Family Education Loan (FFEL) Program includes Federal Stafford Loans (both
subsidized and unsubsidized), Federal PLUS Loans, Federal Consolidation Loans, and Federal
Supplemental Loans for Students (SLS).
A forbearance is a period during which you are permitted to postpone making payments temporarily,
allowed an extension of time for making payments, or temporarily allowed to make smaller payments
than scheduled.
The holder of your Direct Loans is the U.S. Department of Education (the Department). The holder of
your FFEL Program loans may be a lender, secondary market, guaranty agency, or the Department.
Your loan holder may use a servicer to handle billing, payment, repayment options, and other
communications. References to “your loan holder” on this form mean either your loan holder or your
servicer.
A partial financial hardship is an eligibility requirement for the PAYE and IBR plans. You have a
partial financial hardship when the annual amount due on all of your eligible loans (and, if you are
required to provide documentation of your spouse's income, the annual amount due on your spouse's
eligible loans) exceeds what you would pay under PAYE or IBR.
The annual amount due is calculated based on the greater of (1) the total amount owed on eligible
loans at the time those loans initially entered repayment, or (2) the total amount owed on eligible
loans at the time you initially request the PAYE or IBR plan. The annual amount due is calculated
using a standard repayment plan with a 10-year repayment period, regardless of loan type. When
determining whether you have a partial financial hardship for the PAYE plan, the Department will
include any FFEL Program loans that you have into account even though those loans are not eligible
to be repaid under the PAYE plan, except for: (1) a FFEL Program loan that is in default, (2) a
Federal PLUS Loan made to a parent borrower, or (3) a Federal Consolidation Loan that repaid a
Federal or Direct PLUS Loan made to a parent borrower.
The poverty guideline amount is the figure for your state and family size from the poverty guidelines
published annually by the U.S. Department of Health and Human Services (HHS) at
aspe.hhs.gov/poverty- guidelines. If you are not a resident of a state identified in the poverty
guidelines, your poverty guideline amount is the amount used for the 48 contiguous states.

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The standard repayment plan has a fixed monthly payment amount over a repayment period of up
to 10 years for loans other than Direct or Federal Consolidation Loans, or up to 30 years for Direct
and Federal Consolidation Loans.
Definitions For The PAYE PLAN:
Note: You cannot remain in the PAYE Plan beyond July 1, 2028. Borrowers who have not selected
another plan by that date will be placed in a viable plan before July 1, 2028.
Note: All borrowers in repayment under the PAYE Plan must switch to (or be placed into) a different
plan before July 1, 2028.
The Pay As You Earn (PAYE) plan is a repayment plan with monthly payments that are generally
equal to 10% of your discretionary income, divided by 12.
Discretionary income for the PAYE plan is the amount by which your income exceeds 150% of the
poverty guideline amount.
Eligible loans for the PAYE plan are Direct Loan Program loans other than: (1) a loan that is in
default, (2) a Direct PLUS Loan made to a parent borrower, or (3) a Direct Consolidation Loan that
repaid a Direct or Federal PLUS Loan made to a parent borrower.
You are a new borrower for the PAYE plan if: (1) you have no outstanding balance on a Direct Loan
or FFEL Program loan as of October 1, 2007 or have no outstanding balance on a Direct Loan or
FFEL Program loan when you obtain a new loan on or after October 1, 2007, and (2) you receive a
disbursement of an eligible loan on or after October 1, 2011, or you receive a Direct Consolidation
Loan based on an application received on or after October 1, 2011.
A partial financial hardship is an eligibility requirement for the PAYE plan. You have a partial financial
hardship when the annual amount due on all of your eligible loans (and, if you are required to provide
documentation of your spouse's income, the annual amount due on your spouse's eligible loans)
exceeds what you would pay under PAYE.
The annual amount due is calculated based on the greater of (1) the total amount owed on eligible
loans at the time those loans initially entered repayment, or (2) the total amount owed on eligible
loans at the time you initially request the PAYE plan. The annual amount due is calculated using a
standard repayment plan with a 10-year repayment period, regardless of loan type. When
determining whether you have a partial financial hardship for the PAYE plan, the Department will
include any FFEL Program loans that you have into account even though those loans are not eligible
to be repaid under the PAYE plan, except for: (1) a FFEL Program loan that is in default, (2) a
Federal PLUS Loan made to a parent borrower, or (3) a Federal Consolidation Loan that repaid a
Federal or Direct PLUS Loan made to a parent borrower.
Definitions For The IBR PLAN:
The Income-Based Repayment (IBR) plan is a repayment plan with monthly payments that are
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generally equal to 15% (10% if you are a new borrower) of your discretionary income, divided by 12.
Discretionary income for the IBR plan is the amount by which your adjusted gross income exceeds
150% of the poverty guideline amount.
Eligible loans for the IBR plan are Direct Loan and FFEL Program loans other than: (1) a loan that
is in default, (2) a Direct or Federal PLUS Loan made to a parent borrower, or (3) a Direct or Federal
Consolidation Loan that repaid a Direct or Federal PLUS Loan made to a parent borrower unless
such Direct Consolidation Loan has at least one payment made is in repayment under the ICR Plan
at the time you request to enter the IBR Plan.
You are a new borrower for the IBR plan if (1) you have no outstanding balance on a Direct Loan or
FFEL Program loan as of July 1, 2014 or (2) have no outstanding balance on a Direct Loan or FFEL
Program loan when you obtain a new loan on or after July 1, 2014.
Definitions For The ICR PLAN:
Note: You cannot remain in the ICR Plan beyond July 1, 2028. Borrowers who have not selected
another plan by that date will be placed in a viable plan before July 1, 2028Note: All borrowers in
repayment under the ICR Plan must switch to (or be placed into) a different plan before July 1, 2028.
The Income-Contingent Repayment (ICR) plan is a repayment plan with monthly payments that are
the lesser of (1) what you would pay on a repayment plan with a fixed monthly payment over 12
years, adjusted based on your income or (2) 20% of your discretionary income divided by 12.
Discretionary income for the ICR plan is the amount by which your adjusted gross income exceeds
the poverty guideline amount for your state of residence and family size.

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Eligible loans for the ICR plan are Direct Loan Program loans other than: (1) a loan that is in
default, (2) a Direct PLUS Loan made to a parent borrower, or (3) a Direct PLUS Consolidation Loan
(based on an application received prior to July 1, 2006 that repaid Direct or Federal PLUS Loans
made to a parent borrower). However, a Direct Consolidation Loan made based on an application
received on or after July 1, 2006 that repaid a Direct or Federal PLUS Loan made to a parent
borrower is eligible for the ICR plan.

Section 11: Income Driven Repayment Plan Requirements and General
Information
See Table Below for Income Driven Repayment Plan Requirements and General Information.
Plan Feature

PAYE

IBR

ICR

Payment
Amount

Generally, 10% of
discretionary income.

Either 15% of discretionary
income if you had an
outstanding loan balance as
of July 1, 2014, or 10% of
discretionary income if you
were a new borrower on or
after July 1, 2014.

Lesser of 20% of
discretionary income or
what you would pay under a
repayment plan with fixed
payments over 12 years,
adjusted based on your
income.

Cap on
Payment
Amount

What you would have
paid under the 10-year
standard repayment plan
when you entered the
plan.

What you would have paid
under the 10-year standard
repayment plan when you
entered the plan.

None. Your payment may
exceed what you would
have paid under the 10year standard repayment
plan.

Married
Borrowers

Your payment will be
based on the combined
income and loan debt of
you and your spouse
only if you file a joint
Federal income tax
return, unless you and
your spouse (1) are
separated or (2) you are
unable to reasonably
access your spouse's
income information.

Your payment will be based
on the combined income and
loan debt of you and your
spouse only if you file a joint
Federal income tax return,
unless you and your spouse
(1) are separated or (2) you
are unable to reasonably
access your spouse's income
information.

Your payment will be based
on the combined income of
you and your spouse only if
you file a joint Federal
income tax return or if you
and your spouse elect to
pay your loans jointly under
an ICR plan, unless you
and your spouse (1) are
separated or (2) you are
unable to reasonably
access your spouse's
income information.

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Plan Feature

PAYE

IBR

ICR

Borrower
Responsibility
for Interest

You are responsible for
paying all of the interest
that accrues.

On subsidized loans, you do
not have to pay the difference
between your monthly
payment amount and the
interest that accrues for your
first 3 consecutive years in
the plan.

You are responsible for
paying all of the interest
that accrues.

Income
Eligibility

You must have a “partial
financial hardship”.

You must have a “partial
financial hardship”.None

None

Borrower
Eligibility

You must be a “new
borrower” with eligible
Direct Loans.

You must be a Direct Loan or
FFEL borrower with eligible
loans.

You must be a Direct Loan
borrower with eligible loans.

Recertify
Income and
Family Size

Annually. Failure to
submit documentation by
the deadline may result
in an increase of the
payment amount to the
10-year standard
payment amount.

Annually. Failure to submit
documentation by the
deadline will result in the
capitalization of interest and
increase in payment amount
to the 10-year standard
payment amount.

Annually. Failure to submit
documentation by the
deadline will result in the
recalculation of your
payment amount to be the
10-year standard payment
amount.

Leaving the
Plan

At any time, you may
change to any other
repayment plan for which
you are eligible.

If you want to leave the plan,
you will be placed on the
standard repayment plan.
You may not change plans
until you have made one
payment under that plan or a
reduced-payment
forbearance.

At any time, you may
change to any other
repayment plan for which
you are eligible.

Interest
Capitalization

None

If you are determined to no
longer have a “partial
financial hardship”payment
based on your income and
family size, fail to recertify
your income by the deadline,
or leave the plan, interest is
capitalized.

None

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Section 12: Sample Payment Amounts
To obtain estimated payment amounts under all of the repayment plans, visit StudentAid.gov/
loan-simulator/.

Section 13: Important Notices
Privacy Act Statement
Authorities: The authorities for collecting the requested information from and about you are §421 et
seq. and §451 et seq. of the Higher Education Act of 1965, as amended (20 U.S.C. 1071 et seq. and
20 U.S.C. 1087a et seq.) (HEA), and the authorities for collecting and using your Social Security
Number (SSN) are §§428B(f) and 484(a)(4) of the HEA (20 U.S.C. 1078-2(f) and 1091(a)(4)) and 31
U.S.C. 7701(b).
Purposes: The principal purposes for collecting the information on this form, including your SSN, are
to verify your identity, to determine your eligibility to receive a loan or a benefit on a loan (such as a
deferment, forbearance, discharge, or forgiveness) under the FFEL and/or Direct Loan Programs, to
permit the servicing of your loans, and, if it becomes necessary, to locate you and to collect and
report on your loans if your loans become delinquent or default. We also use your SSN as an account
identifier and to permit you to access your account information electronically.
Disclosures: The information provided on the Income-Driven Repayment (IDR) Plan Request will
only be disclosed outside of the Department with prior written consent or as otherwise allowed by the
Privacy Act of 1974, as amended (Privacy Act) (5 U.S.C. 552a). One of the exceptions to the Privacy
Act’s prior written consent requirement that allows for disclosure, without consent, is for “routine uses”
that the Department publishes in our System of Records Notices (SORNs). The Department may
disclose, without consent, the information provided on the IDR Plan Request form, on a case-by-case
basis or under a computer matching program, to third parties pursuant to the routine uses identified in
the “Common Origination and Disbursement System” (18-11-02) SORN. This notice is available on
the Department’s “Privacy Act System of Record Notice Issuances (SORN)” webpage located at
https://www2.ed.gov/notices/ed-pia.html.
These routine uses include, but are not limited to:


To assist with the determination of program eligibility and benefits, the Department may
disclose records to institutions of higher education, financial institutions, third-party servicers,
and Federal, State, Tribal, or local agencies;



To maintain data that supports the existence of a legal obligation to repay funds disbursed
under title IV, HEA programs, including documentation such as promissory notes and other
agreements, the Department may disclose records to institutions of higher education, thirdparty servicers, and Federal agencies;

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

To assist an eligible lender in processing an aid recipient’s IDR plan, the Department may
disclose records, including, but not limited to, the calculated monthly payment amount based
on the IDR plan selected and ADOIs, to eligible lenders.



If the Department contracts with an entity to perform any function that requires disclosure of
records in this system to employees of the contractor, the Department may disclose the
records to those employees. As part of such a contract, the Department shall require the
contractor to agree to establish and maintain safeguards to protect the security and
confidentiality of the disclosed records.

For additional routine uses, view the “Common Origination and Disbursement System” (18-11-02)
SORN. This notice is available on the Department’s “Privacy Act System of Record Notice Issuances
(SORN)” webpage located at https://www2.ed.gov/notices/ed-pia.html.
Consequences of Failure to Provide information: Participating in the Federal Family Education Loan
(FFEL) Program or the William D. Ford Federal Direct Loan (Direct Loan) Program and providing the
Department your SSN and requested information is mandatory to participate.
Paperwork Reduction Notice
According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection
of information unless it displays a valid Office of Management and Budget (OMB) control number.
The valid OMB control number for this information collection is 1845-0102. Public reporting burden for
this collection of information is estimated to average 20 minutes (0.33 hours) per response, including
time for reviewing instructions, searching existing data sources, gathering and maintaining the data
needed, and completing and reviewing the information collection. Individuals are obligated to respond
to this collection to obtain a benefit in accordance with 34 CFR 682.215, 685.209, or 685.221.
If you have comments or concerns regarding the status of your individual submission of this
form, please contact your loan holder directly (see Section 8).

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