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Income-Driven Repayment Plans

Is it time to submit your IDR renewal?

If you are on an Income-Driven Repayment plan, you must submit an annual renewal request (recertification) in order to prevent your monthly payment from increasing.

If you are currently making payments via automatic debit, and we do not receive the required renewal form and supporting documentation, the new, potentially higher payment amount will be debited automatically. Please note that any unpaid interest may be capitalized (added to the principal balance) at the end of the 12-month reduced-payment period.

Paper Application

You may complete the Income-Driven Repayment Plan Request form in full and provide a copy of your most recently filed tax return or tax return transcript. If you believe that your adjusted gross income, as reported on your most recently filed federal income tax return, does not reasonably reflect your current income, you must provide alternative documentation of all taxable income that you and your spouse (if applicable) are currently receiving. You may securely upload your completed application with the Document Upload feature within Manage My Account, or you may view our Contact Us page for where to send the required documentation.

Need help?

You can access the forms and step-by-step instructions via the forms page. Visit Manage My Account to access your account information, sign up for automatic payment, and apply for a deferment or forbearance.