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Am I Eligible for an IDR Plan For My Federal Student Loans?

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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 individuals that hold federal student loans through the IDR options that may be available, and covers:


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

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