INCOME-DRIVEN REPAYMENT (IDR) PLAN REQUEST For the Revised Pay As You Earn (REPAYE), Pay As You Earn (PAYE), Income-Based Repayment (IBR), and Income-Contingent Repayment (ICR) plans under the William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Programs. OMB No. 1845-0102 Form Approved Expiration Date:n Income-Based Repayment (IBR) is a repayment plan with monthly payments based on your eligible federal student loan debt, income, family size, and state of residence. n Partial financial hardship is when the annual amount due on all of your eligible loans or, if you are married and file a joint federal income tax return, the annual amount due onIncome-driven repayment (IDR) plans are designed to make your student loan debt more manageable by reducing your monthly payment amount. If you need to make lower monthly payments or if your outstanding federal student loan debt represents a significant portion of your annual income, one of the following income-driven plans may be right for you:There are multiple ways an income-based repayment form can be used. It all depends on the user. A borrower seeking IBR must complete and forward the Income-Driven Repayment Plan Request form below to his or her loan holder. You can also see the Sample Transmittal Income-Based Repayment (IBR) is best for borrowers who are experiencing financial difficulty, have low income compared with their debt, or who are pursuing a career in public service. Income-based repayment is intended as an alternative to income sensitive repayment (ISR) and income contingent repayment (ICR).Income-Based Repayment of Student Loans - Plan EligibilityIncome-Driven Repayment Plan Request - Student AidIncome-Based Repayment of Student Loans - Plan EligibilityIncome-Based Repayment of Student Loans - Plan EligibilityIncome-Based Repayment (IBR) This repayment plan was developed to assist borrowers who are having difficulty making their payments because they have high student debt levels relative to their incomes. The program is available for Stafford Loans, PLUS Loans to graduate students and Consolidation Loans with no underlying parent PLUS Loans.

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