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New changes brought about by the OBBBA recently went into effect on July 1, 2026. These changes broadly affect one's eligibility for IDR plans based on whether certain loans were consolidated or disbursed before July 1, 2026. This guide has not yet been updated to reflect these recent changes.
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College Planning & Student Loans
For Premier Members only For Premier Members only

Student Loan Income Driven Repayment (IDR) Plan Eligibility

Am I Eligible For An IDR Plan For My Federal Student Loans?

Income-Driven Repayment (“IDR”) Plans can be an attractive option for federal student loan borrowers. These plans can make monthly payments more manageable, and offer forgiveness after a term of years. Eligibility depends upon a variety of factors, and must be determined on a case-by-case basis.

This flowchart helps guide your clients that hold federal student loans through the IDR options that may be available to them, and covers:

  • Loan type and timing issues
  • Financial hardship requirements
  • Monthly payment amounts
  • Loan repayment terms
Related Guides
College Funding Issues
Category: College Planning & Student Loans
For Premier Members only For Premier Members only
Paying Off Student Loans Issues
Category: College Planning & Student Loans
For Premier Members only For Premier Members only

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