Income-Driven Repayment (IDR) Plan Request

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

Section 1 of the IDR form

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.
  2. 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.

  3. If any of the information you entered is new, check the box at the top. If none of it is new, leave the check box blank.
  4. Section 1 of the IDR form

Continue with Section 2.

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Section 2: Repayment Plan, Recertification Request, or Re-evaluation

Section 2 of the IDR form

To complete Section 2, do the following:

  1. Under "1. Select the reason you are submitting this form," check the first check box labeled "I want to enter an income-driven plan."
  2. Section 2 Item 1 of the IDR form

  3. Under "2. Choose a plan," check the box labeled "IBR."
  4. Section 2 Item 2 of the IDR form

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

  5. Under "3. Do you have multiple loan holders or servicers?" do one of the following:
  6. Under "4. Are you currently in deferment or forbearance?" do one of the following:

Continue with Section 3.

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Section3: Family Size Information

Section 3 of the IDR form

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

Notes:

Continue with Section 4A.

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Section4A: Marital Status Information

Section 4A of the IDR form

To complete Section 4A, do the following:

  1. Under "7. What is your marital status?" do one of the following:
  2. If you checked "Married" under 7, answer item 8 by doing one of the following:
  3. If you checked "Yes" under 8, complete all 3 lines in item 9:
  4. If you checked "No" under 8, do one of the following in item 10:

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

Section 4B of the IDR form

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

  1. Answer item 11 by doing one of the following:
  2. If you were directed to item 12, answer it by doing one of the following:

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Section4C: Income Information for Married Borrowers Filing Jointly

Section 4c of the IDR form

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

  1. Answer item 13 by doing one of the following:
  2. If you were directed to item 14, answer it by doing one of the following:
  3. If you were directed to item 15, answer it by doing one of the following:
  4. If you were directed to item 16, answer it by doing one of the following:

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Section4D: Income Information for Married Borrowers Filing Separately

Section 4d of the IDR form

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

  1. Answer item 17 by doing one of the following:
  2. If you were directed to item 18, answer it by doing one of the following:
  3. If you were directed to item 19, answer it by doing one of the following:
  4. If you were directed to item 20, answer it by doing one of the following:

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Section5: Instructions for Documenting Current Income

Section 5 of the IDR form

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. (Click here to jump to those instructions.)

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Section6: Borrower Requests, Understandings, Authorization, and Certification

Section 6 of the IDR form

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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Section7: Where to Send the Completed Form

Section 7 of the IDR form

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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