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As of 7/18/2024: A federal court issued a stay preventing the Department of Education from operating the SAVE plan. The degree to which things will change (if at all) is uncertain and to be determined. We are monitoring these developments and will be ready to update this guide once things are finalized.
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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
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