Omb no 1845 1012-2025

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The document is an Income-Driven Repayment Plan Request form for federal student loans, detailing the process for borrowers to apply for repayment plans based on their income, such as Income-Based Repayment (IBR), Pay As You Earn, and Income-Contingent Repayment (ICR). It includes sections for borrower identification, repayment plan selection, spousal information, family size and tax information, and alternative documentation of income. The form emphasizes the importance of accurate information and outlines eligibility requirements, potential penalties for false statements, and instructions for submitting the request.

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Who is ineligible for loan forgiveness?

You must be a direct employee of a qualifying employer for your employment to qualify. This means that employees of contracted organizations, that are not themselves a qualifying employer, wont qualify for PSLF including government contractors and for-profit organizations.

Who qualifies for IDR forgiveness?

Under IDR, any remaining loan balance may be forgiven if your federal student loans arent fully repaid at the end of the repayment period (either 20 or 25 years).

Do $0 payments count for IDR forgiveness?

However, if your income remains high and you continue to make the 10-year Standard Repayment Plan payment amount, your loans may be repaid in full before the end of the repayment period.

Who is eligible for IDR loan forgiveness?

If you have loans that have been in repayment for more than 20 or 25 years, those loans may immediately qualify for forgiveness. Borrowers who have reached 20 or 25 years (240 or 300 months) worth of eligible payments for IDR forgiveness will see their loans forgiven as they reach these milestones.

How do I know if I have an IDR loan?

You will know if you are enrolled in an IDR plan if you simply log into the Department of Education website at .studentaid.gov. You will need to have or create a FSA ID to access your account. How do I apply for an IDR plan? You can apply online at .

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