Income-Contingent Repayment


Income-Contingent Repayment is only available to Direct loan borrowers and takes your income, family size, outstanding Direct loan balance, and interest rate into consideration, potentially allowing you an affordable, lower monthly payment. Calculate your payments under this plan here.

Learn more about the Income-Contingent Repayment Plan.

Calculate Your Income Contingent Repayment



Note: If your interest rate is 4.6% then enter 4.6 into the field below. If you have more than one loan with more than one interest rate, use the highest rate or an average of the interest rates. If you interest rate is unknown, place 6.0 in the box.


Note: If you are married you must include your spouses income in your AGI.


Note: If you would like to make joint payments with your spouse's student loans, include their remaining student loan balances in this amount.