Income-Driven Repayment (IDR) Plans

IDR Options


Every year you will be required to recertify your IDR plan. We encourage you to recertify your plan at least 60 days before your IDR anniversary date. By doing so, you will continue to have your monthly payment amount based off your financial situation, and you will not experience a lapse in your plan. 

Income-Driven Repayment Plans

Payments on an Income-Driven Repayment Plan are based off your house hold income, family size and student loan balance, which may qualify you for a $0.00 monthly payment. To help maintain an affordable payment, you will need to submit income documentation annually.

IDR at a Glance

  • Monthly payment amount is effective for 12 months
  • Recertification is done yearly with new income documentation 
  • May lead to forgiveness

Avoiding Processing Delays

The following common issues may cause a delay when processing an IDR plan: 

  • Missing tax returns or house hold income documentation
  • Missing or illegible pages of the application or supporting documentation 
  • Incomplete applications in which the answers to required questions are missing 
  • Sending applications in 90 days or more before you enter repayment or your recertification date 

The best way to avoid the issues stated above is to apply online via The online application is user friendly and allows you to attach your current tax documentations through the IRS’s website. Once submitted, your application will be sent electronically to all your loan servicers within 24-48 business hours.