Income Based Repayment Program (IBR)

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Information on the Income Based Repayment Program

The Income Based Repayment program (IBR) is the most well known and most widely used of all the income repayment programs offered through the William D Ford Act.  This was the first program that the borrower’s payments were solely based off of their income and expenses and not on their loan amount and term. It was created to help ease the burden that student loans were causing on students because they may have had trouble repaying on their loans. Millions of eligible candidates were able to get their payment as low as $0.00 a month. If any or all of these may apply to you this will be the program for you

1. Currently going through a tough financial hardship and would like to have payments based off of your income and expenses.

2. You qualify for zero dollar payment or a payment that is significantly lower than what you’re currently paying on.
3. Currently in an unstable job and want to prevent from your loans from falling into default.

4. If you currently work in the Public Sector and qualify for having your loans forgiven within 120 consecutive payments.

IBR for New Borrowers 

The Income Based Repayment for New Borrowers has some upside to it when it’s compared to its older sibling the Income Based Repayment. It lowers your monthly payment from 15% down to 10% of your discretionary income as well as reduces your forgiveness term from 25 years (300 months) to 20 years (240 months) unless your qualify for the Public Service Loan Forgiveness (PSLF) which will reduce your term to 10 years (120 months). One major setback with the Income Based Repayment for New Borrowers is that the borrower must have no outstanding loan balance before July 1, 2014. This limits the amount of borrowers that are eligible for this program, nut if you don’t qualify of this program than there are other repayment options that you will qualify for as long as your loans are federal.

Free Consultation

Our Student Loan Doc Experts will give you a free student loan health checkup to analyze what program or combination of programs can save you the most money.

Document Preparation

Our team of processors painstakingly prepare all the necessary documents for your review and signature along with the instructions for ease of submission and tracking information.

State of the Art support

We provide you with your very own customer support portal in order to create, track and satisfy any question or concern you may have throughout the process 24/7.


Our customers are our most valuable resource and their satisfaction is of paramount importance to us.  That is why we offer a 100% Money back guarantee to all of customers.


"Before I came across Student Loan Help Info, I was struggling to pay $273 every month towards my student loans. A friend of mine referred me to this place and I was a little weary at first. The woman I spoke to was very helpful and informative, so I decided to move forward and they helped me get into a $0 monthly payment. Now my student loans are one less thing I worry about."
Roger P.


"Hi! I am Jessica. I graduated in 2010 with all the hope to build a career in teaching. My loans totaled over $40,000. I had a job at the time and didn’t make a lot of money so supporting my two kids wasn’t easy. I started falling behind with my payments and eventually fell into default. Luckily, I found Student Loan Help Info through an online search, and they were able to help get me out of default and into a forgiveness program. I couldn’t be happier!"
Jessica M.


"I have been disabled for quite some time now so I haven’t been able to work and pay my student loans off. I came across this student loan assistance company and the representative was very knowledge. Since I am disabled, I was able to get all of my loans discharged. I am so thankful I made the call."
Mitchell T.

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