Find the perfect Income-Driven Repayment plan for your situation. Compare eligibility requirements, payment calculations, and forgiveness timelines across all federal IDR programs.
Federal Plans
Of Income Range
Years to Forgiveness
Each Income-Driven Repayment plan has unique benefits and requirements. Here's a quick overview to help you understand your options.
Borrowers with high debt relative to income who need lower payments and have older loans (before 2014).
New borrowers (2008+) who qualify and want the lowest possible monthly payments with fastest forgiveness.
All borrowers seeking the lowest payments with the best interest protection and no capitalization.
Parent PLUS borrowers after consolidation, or those who don't qualify for other IDR plans.
FFEL borrowers seeking temporary payment relief. Consider consolidation for better long-term options.
Our experts analyze your specific situation to recommend the optimal IDR plan for maximum savings and fastest forgiveness.
Compare every important detail across all IDR plans to make the best choice for your financial situation.
Our loan specialists will analyze your specific situation and recommend the optimal IDR plan to maximize your savings.
Enter your information below to estimate your monthly payments and potential savings under each plan.
15% of discretionary income
10% of discretionary income
5-10% of discretionary income
20% of discretionary income
4-25% of gross monthly income
Disclaimer: These are estimates based on current federal guidelines. Actual payments may vary based on your specific loan details and servicer calculations. For exact amounts, consult with a loan specialist.
Our payment calculator provides estimates, but every situation is unique. Get a personalized analysis with exact payment amounts and forgiveness projections from our certified specialists.