Income-Driven Repayment Calculator

Compare all IDR plans and find which one saves you the most.

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Which IDR Plan Should You Choose?

Choose SAVE if:

  • You have undergraduate loans (when plan becomes available)
  • You want the lowest monthly payments (5% discretionary income)
  • You want loan forgiveness in 10 years

Choose PAYE if:

  • You're a newer borrower (loans after Oct 2007 & 2011)
  • You want a payment cap to protect future income growth
  • You have graduate loans

Choose IBR if:

  • You have older loans (before Oct 2007)
  • You don't qualify for PAYE
  • You want to exclude spouse income by filing separately

Choose ICR if:

  • You have Parent PLUS loans
  • You consolidate Parent PLUS loans into Direct Consolidation