Income-Based Repayment


This plan features payments that take into consideration your family size, interest rate, state of residence, outstanding balance, and income. If any of these factors change—particularly your income—your payments are adjusted.

Learn more about the Income-Based Repayment Plan.

Calculate Your Income Based Repayment




This amount includes loans from the Federal Family Education Loan Program (FFELP) and Federal Direct Loan Program (FDLP). This amount does not include balances on, Private Loans, Federal Parent PLUS Loans and Federal Consolidation Loans containing prior Parent PLUS loans.


If your interest rate is 4.6%, enter 4.6. If you have more than one loan with different interest rates, use the highest rate or an average of the interest rates. If your interest rate is unknown, enter 6.0.

Income Based Repayment: