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How do I Apply for an Income Driven Repayment Plan?

Go to and apply on-line using the e-Application for IBR, ICR, PAYE or the lowest monthly payment available to you.  Using the on-line application enables you to release your prior year's tax information electronically. 

You must affirm that the information on your prior year's tax return substantially represents your current financial situation.  If the information on your prior year's tax return does not substantially represent your current financial situation, you may file the Alternative Document of Income form; however, this is a paper form and cannot be done on-line.

Be sure to note whether the on-line application has been sent to all your loan services and print the confirmation for your records.