Income-Driven Repayment (“IDR”) Plans can be an attractive option for federal student loan borrowers.

These plans can make monthly payments more manageable, and offer forgiveness after a term of years. Eligibility depends upon a variety of factors, and must be determined on a case-by-case basis.

This flowchart helps guide individuals that hold federal student loans through the IDR options that may be available to them and covers:

  • Loan type and timing issues
  • Financial hardship requirements
  • Monthly payment amounts
  • Loan repayment terms