Download our Flowchart: Am I Eligible For An IDR Plan For My Federal Student Loans?

**Note: This guide does not reflect changes from President Biden’s Student Debt Relief Plan. We will continue to monitor the situation and make changes once more finalized information is provided.**

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 you, if you hold federal student loans, work through the IDR options that may be available to you, and covers the following:

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