Who should complete this? Borrowers not currently on an IDR Plan who are seeking a lower monthly payment on their federal student loans and Borrowers currently on an IDR Plan who need to re-certify or make changes to their repayment plan.

You can't use this tool if you are in default on all of your federal student loans or if you only have PLUS loans you borrowed as a parent.



Note: There is no application fee to complete an Income-Driven Repayment Plan Request. You may be contacted by private companies that offer to help you apply for Income-Driven Repayment, for a fee. These companies have no affiliation with the U.S. Department of Education (ED) or ED's Federal Loan Servicers.