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Income-Based Repayment (IBR)
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Income-Driven Repayment Comparison
(available in the Income-Driven Repayment Resources file library on the Income-Driven Repayment page)

Information regarding Income-Based Repayment, Income-Contingent Repayment and Pay As You Earn repayment plans including helping hints and FAQs.


Income-Based Repayment (IBR)

 Income-Based Repayment Plan Implementation and Best Practices Guide Version 4.0 – Overview and Q and As

Updated: 10/1/19

 

This Guide was developed in order to provide the FFELP community with a resource for implementing and maintaining the Income-Based Repayment (IBR) plan authorized by the College Cost Reduction and Access Act of 2007 and promulgated under the regulations issued by the U.S. Department of Education. This document has been updated with new understandings or guidance obtained since Version 3.0, released in December 2013, including the best practices published in the separate December 2015 Addendum that was released to the community on January 6, 2016.  New to this version is also an addendum (Appendix A) containing all of the Department of Education (ED) e-mails and accompanying attachments referenced throughout Sections I through XII.

 

 Income-Based Repayment Plan Implementation Guide Version 3.0 - Overview and Q&As

Updated: 12/10/2013

This Guide was developed in order to provide the FFELP community with a resource for implementing the new Income-Based Repayment (IBR) plan authorized by the College Cost Reduction and Access Act. As new and known issues are resolved, this document will be updated.

Addendum to the 2013 IBR Implementation Guide 
Updated: 12/06/15

Since the IBR Implementation Guide was developed in 2013, the NCHER IBR Workgroup has continued to collaborate on various issues regarding the IBR plan. The following Addendum includes several new IBR-related questions and answers, as well as clarification on some of the information provided in the 2013 Guide.


IBR Forms

The most current forms can be found here.

 

Webinar PowerPoint Presentations

April 28, 2009 IBR Training - Interest, Special Allowance and LaRS

IBR Training Q&A Document

April 16, 2009 IBR Training - PFH Determination

IBR Training PFH Q&A Document

April 9, 2009 School-Based IBR Training

School-Based IBR Training Q&A Document

February 20, 2009 Introduction to IBR Presentation

Introduction to IBR Q&A Document

IBR Calculators

Department of Education Federal Student Aid IBR Calculator

IBRInfo.org Calculator

Other Resources

www.IBRinfo.org IBRinfo is a nonprofit, independent source of information on IBR and Public Service Loan Forgiveness. The site, created by the Project on Student Debt, is a resource for borrowers and consumers, with a calculator that estimates IBR eligibility and monthly payment amounts.
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