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Income-Driven Repayment (IDR) Plan Request

INSTRUCTIONS ONLY – DO NOT SUBMIT.

The following instructions walk you through the process of completing the IDR Plan Request form. You can read through and follow all the instructions, starting with Section 1 below, or you can click one of the links below to jump to a particular section.

Section 1 - Borrower Information
Section 2 - Repayment Plan, Recertification Request, or Re-evaluation
Section 3 - Family Size Information
Section 4A - Marital Status Information
Section 4B - Income Information for Single Borrowers and Married Borrowers Treated As Single
Section 4C - Income Information for Married Borrowers Filing Jointly
Section 4D - Income Information for Married Borrowers Filing Separately
Section 5 - Instructions for Documenting Current Income
Section 6 - Borrower Requests, Understandings, Authorization, and Certification
Section 7 - Where to Send the Completed Form

Section1: Borrower Information

IDR Top of Form - Borrower Information

To complete Section 1, do the following:

    1. Provide all the information (except for Email, which is optional), even if none of it has changed.

      Unless you fill in your SSN and Name, we will not be able to identify who sent the form to us. Complete all the lines in this section to ensure that we know who you are. It also helps us process your request more quickly.

    2. If any of the information you entered is new, check the box at the top. If none of it is new, leave the checkbox blank.

      IDR Form - Section to Change Your Personal Information

Continue with Section 2.

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To complete Section 2, do the following:

  1. Under "1. Select the reason you are submitting this form," check the first checkbox labeled "I want to enter an income-driven plan."

    IDR Form - Select reason you're submitting this form question and answers

  2. Under "2. Choose a plan," check the box labeled "IBR."

    IDR Form - Choose a plan and then continue to Item 3 question and answers

    Your loans are FFEL Program loans, which are only eligible for the IBR plan.

  3. Under "3. Do you have multiple loan holders or servicers?" do one of the following:

    • If you have loans with another lender or servicer, check Yes.

      IDR Form - Do you have multiple loan holders or services question and answers

      Note: You must submit a separate request to each loan holder or servicer.

    • If you do not have loans with another lender or servicer, check No.

      IDR Form - Do you have multiple loan holders or servicers question and answers

  4. Under "4. Are you currently in deferment or forbearance?" do one of the following:

    • If you are not currently in a deferment or forbearance, check No.

      IDR Form - Are you currently in deferment or forbearance question and answers

    • If your loans are currently deferred or forborne, and you want to start making your payments under IBR immediately, check the first Yes box.

      Note: This means that CFI will cancel or end your deferment or forbearance and place your loans back into repayment to start making your partial financial hardship (PFH) payments within 60 days of the processing date.

      IDR Form - Are you currently in deferment or forbearance question and answers

    • If your loans are currently deferred or forborne, and you want to start making your payments after your deferment or forbearance ends, check the second Yes box.

      Note: This means that CFI will process your IBR request on top of your deferment or forbearance, and once it ends, your loans will be due for the PFH payment previously calculated.

      IDR Form - Are you currently in deferment or forbearance question and answers

Continue with Section 3

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Section 3: Family Size

IDR Form - Family Size Information questions and answers

To complete this section, place a number on the line next to 5. and 6.

Notes:

  • Item 5 asks for the number of children (including unborn children) in your family that receive more than half of their support from you. If there aren't any, enter zero (0).

  • Item 6 asks for the number of other people, not including your spouse or children, that live with you and receive more than half their support from you. If there aren't any, enter zero (0).

  • As explained in the Note at the bottom of the section, do not include yourself or your spouse in the count.

  • For more information, read Section 9 of the form.

Continue with Section 4A.

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Section 4A: Marital Status Information

IDR Form - Marital Status Information questions 7 - 10 and answers

To complete Section 4A, do the following:

  1. Under "7. What is your marital status?" do one of the following:

    • If you are single, check the first box, then skip the rest of Section 4A, go directly to Section 4B, and answer item 11. (Jump to Item 11 instructions.)

      IDR Form - What is your marital status question and answers

    • If you are married, check the second box, then continue with item 8 in this same section (4A). (Jump to Item 8 instructions.)

      IDR Form - What is your marital status question and answers

    • If you are married by separated, check the third box, then skip the rest of Section 4A, go directly to Section 4B, and answer item 11. (Jump to Item 11 instructions.)

      IDR Form - What is your marital status question and answers

    • If you are married, but you cannot reasonably access your spouse's income information, check the fourth box, then skip the rest of Section 4A, fo directly to Section 4B and answer item 11. (Jump to Item 11 instructions.)

      IDR Form - What is your marital status question and answers

  2. If you checked "Married" under 7, answer item 8 by doing one of the following:

    • If your spouse does have federal student loans, check Yes and continue with item 9 in this same section (4A). (Jump to Item 9 instructions.)

      IDR Form - Does your spouse have federal student loans question and answers

    • If your spouse does not have federal student loans, check No and skip to item 10 in this same section (4A). (Jump to Item 10 instructions.)

      IDR Form - Does your spouse have federal student loans question and answers

  3. If you checked "Yes" under 8, complete all 3 lines in item 9:

    • Spouse's SSN
    • Spouse's Name
    • Spouse's Date of Birth

      IDR Form - Provide the following information about your spouse and then continue to Item 10 question

  4. If you checked "No" under 8, do one of the following in item 10:

    • If you did file jointly with your spouse on your last federal income tax return, check Yes, skip to Section 4C and answer item 13. (Jump to Item 13 instructions.)

      IDR Form - When you files your last federal income tax return did you file jointly with your spouse question and answers

    • If you did not file jointly with your spouse on your last federal income tax return, check No, skip to Section 4D and answer item 17. (Jump to Item 17 instructions)

      IDR Form - When you filed your last federal income tax return, did you file jointly with your spouse question and answers

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Section 4B: Income Information for Single Borrowers and Married Borrowers Treated as Single

IDR Form - Income Information for Single Borrowers and Married Borrowers Treated as Single questions 11 and 12

If you were directed to Section 4B, do the following:

  1. Answer item 11 by doing one of the following:

    • If your income did decrease significantly since you filed your last federal income tax return, check the Yes box and continue to item 12 in this same section (4B). (Jump to Item 12 instructions.)

      IDR Form - Has your income significantly decreased since you filed your last federal income tax return questions and answers

    • If your income did not decrease significantly since you filed your last federal income tax return, do all of the following:

      1. Check the No box.

        IDR Form - Has your income significantly decreased since you filed your last federal income tax return question and answers

      2. Make a copy of your most recent federal income tax return or transcript so that you can send it in with the IDR form.

      3. Skip to Section 6. (Jump to Section 6 instructions.)

    • If you did not file a federal income tax return during the last 2 years, check the third box and continue with item 12 in this same section (4B). (Jump to Item 12 instructions.)

      IDR Form - Has your income significantly decreased since you filed your last federal income tax return question and answers

  2. If you were directed to item 12, answer it by doing one of the following:

    • If you do currently have taxable income, do all of the following:

      1. Check the Yes box.

        IDR Form - Do you currently have taxable income question and answers

      2. Skip to Section 5 and read the instructions on how to document your current income. (Jump to Section 5 instructions.)

      3. After gathering the requested documentation, continue with Section 6 (Jump to Section 6 instructions.)

        IDR Form - Do you currently have taxable income question and answers

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Section 4C: Income Information for Married Borrowers Filing Jointly

IDR Form - Section 4C: Income Information for Married Borrowers Filing Jointly questions 13 - 16

If you were directed to Section 4C, do the following:

  1. Answer item 13 by doing one of the following:

    • If your income did decrease significantly since you filed your last federal income tax return, check the Yes box and skip to item 15 in this same section (4C). (Jump to Item 15 instructions.)

      IDR Form - Has your income significantly decreased since you filed your last federal income tax return question and answers

    • If your income did not decrease significantly since you filed your last federal income tax return, check the No box and continue with item 14 in this same section (4C). (Jump to Item 14 instructions.)

      IDR Form - Has your income significantly decreased since you filed your last federal income tax return question and answers


    • If you and your spouse did not file a federal income tax return during the last 2 years, check the third box and skip to item 15 in this same section (4C). (Jump to Item 15 instructions.)

      IDR Form - Has your income significantly decreased since you filed  your last federal income tax return question and answers

  2. If you were directed to item 14, answer it by doing one of the following:

    • If your spouse's income did decrease significantly since you filed your last federal income tax return, check the Yes box and continue with item 15 in this same section (4C). (Jump to Item 15 instructions.)

      IDR Form - Has your spouse's income significantly decreased since your spouse filed his or her last federal income tax return

    • If your spouse's income did not decrease significantly since you file your last federal income tax return, do all of the following:

      1. Check the No box.

        IDR Form - Has your spouse's income significantly decreased since your spouse filed his or her last federal income tax return question and answers

      2. Make a copy of your most recent joint federal income tax return or transcript so that you can send it in with the IDR form.

      3. Skip to Section 6. (Jump to Section 6 instructions.)

  3. If you were directed to item 15, answer it by doing one of the following:

    • If you currently do have taxable income, check the Yes box and continue with item 16 in this same section (4C). (Jump to Item 16 instructions.)

      IDR Form - Do you currently have taxable income question and answers

    • If you currently do not have taxable income (either you have no income or you receive only untaxed income), check the No box and continue with item 16 in this same section (4C). (Jump to Item 16 instructions.)

      IDR Form - Do you currently have taxable income question and answers

  4. If you were directed to item 16, answer it by doing one of the following:

    • If your spouse currently does have taxable income, do all of the following:

      1. Check the Yes box.

        IDR Form - Does your spouse currently have taxable income question and answers

      2. Skip to Section 5 and read the instruction on how to document your spouse's current income. (Jump to Section 5 instructions.)

      3. After gathering the requested documentation, continue with Section 6. (Jump to Section 6 instructions.)

    • If your spouse currently does not have taxable income (has no income or received only untaxed income), do the following:

      1. Check the No box.

        IDR Form - Does your spouse currently have taxable income question and answers

      2. Do one of the following:

        • If you checked Yes in item 15 (regarding taxable income for yourself), do both of the following:

          1. Skip to Section 5 and read the instructions on how to document your current income. (Jump to Section 5 instructions.)

          2. After gathering the requested documentation, continue with Section 6. (Jump to Section 6 instructions.)

        • If you checked No in item 15, you are not required to provide any documentation for yourself or your spouse. Skip to Section 6. (Jump to Section 6 instructions.)

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Section 4D: Income Information for Married Borrowers Filing Separately

IDR Form - Income Information for Married Borrowers Filing Separately questions 17 - 20

If you were directed to Section 4D, do the following:

  1. Answer item 17 by doing one of the following:

    • If your income did decrease significantly since you filed your last federal income tax return, check the Yes box and continue with item 18 in this same section (4D). (Jump to Item 18 instructions.)

      IDR Form - Has your income significantly decreased since you filed your last federal income tax return question and answers

    • If your income did not decrease significantly since you filed your last federal income tax return, do all of the following:

      1. Check the No box.

        IDR Form - Has your income significantly decreased since you filed your last federal income tax return question and answers

      2. Make a copy of your most recent federal income tax return or transcript so that you can send it in with the IDR form.

      3. Skip to item 19 in this section (4D). (Jump to Item 19 instructions.)

    • If you did not file a federal income tax return during the last 2 years, check the third box and continue with item 18 in this same section (4D). (Jump to Item 18 instructions.)

      IDR Form - Has your income significantly decreased since you filed your last federal income tax return question and answers

  2. If you were directed to item 18, answer it by doing one of the following:

    • If you currently do have taxable income, do all of the following:

      1. Check the Yes box.

        IDR Form - Do you currently have taxable income question and answers

      2. Skip to Section 5 and read the instructions on how to document your current income. (Jump to Section 5 instructions.)

      3. After gathering the requested documentation, continue with Section 6. (Jump to Section 6 instructions.)

    • If you currently do not have taxable income, (either you have no income or you receive only untaxed income), check the No box and continue with item 19 in this same section (4D). (Jump to Item 19 instructions.)

      IDR Form - Do you currently have taxable income question and answers

  3. If you were directed to item 19, answer it by doing one of the following:

    • If your spouse's income did decrease significantly since filing his or her last federal income tax return, check the Yes box and continue with item 20 in this same section (4D). (Jump to Item 20 instructions.)

      IDR Form - Has your spouse's income significantly decreased since your spouse filed his or her last federal income tax return question and answers

    • If your spouse's income did not decrease significantly since filing his or her last federal income tax return, do all of the following:

      1. Check the No box.

        IDR Form - Has your spouse's income significantly decreased since your spouse filed his or her last federal income tax return question and answers

      2. Make a copy of your spouse's most recent joint federal income tax return or transcript so that you can send it in with the IDR form.

      3. Skip to Section 6. (Jump to Section 6 instructions.)

        Note: If you check No under item 19, this information will only be used if you are on or placed on the REPAYE plan.

    • If your spouse did not file a federal income tax return during the last 2 years, check the third box and continue with item 20 in this same section (4D). (Jump to Item 20 instructions.)

      IDR Form - Has your spouse's income significantly decreased since your spouse last filed his or her last federal income tax return question and answers

  4. If you were directed to item 20, answer it by doing one of the following:

    • If your spouse currently does have taxable income, do all of the following:
      1. Check the Yes box.

        IDR Form - Does your spouse currently have taxable income question and answers

      2. Skip to Section 5 and read the instructions on how to document your spouse's current income. (Jump to Section 5 instructions.)

      3. After gathering the requested documentation, continue with Section 6. (Jump to Section 6 instructions.)

        Note: If you check Yes under item 20, this information will only be used if you are on or placed on the REPAYE plan.

    • If your spouse currently does not have taxable income (has no income or receives only untaxed income), check the No box and skip to Section 6. (Jump to Section 6 instructions.)

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Section 5: Instructions for Documenting Current Income

IDR Form - Instructions for documenting current income instructions

If you are directed to Section 5, it is because, based on your answers in Sections 4A, 4B, 4C and/or 4D, you were instructed to provide documentation of your current income and/or your spouse's current income (if applicable), rather than sending a tax return or tax transcript in with the IDR Plan Request form.

Read the instructions carefully, gather the requested documentation, then continue with Section 6. (Jump to Section 6 instructions.)

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Section 6: Borrower Requests, Understandings, Authorization and Certification

IDR Form - Section 6 Instructions

Read the entire section carefully, then sign and date the form. If you are married, your spouse must sign too, unless you are separated or unable to reasonably access your spouse's income information.

Continue to Section 7.

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Section 7: Where to Send the Completed Form

IDR Form - Where to send the completed form information

Use the information in Section 7 to address the envelope for the form and, if applicable, any additional documentation that you will be including with it. If you have any questions, CFI's telephone number and website address are printed on the left side of the section.

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