Income Contingent
Repayment Program (ICR)

Call us 855-955-9598

Information on the Income Contingent Reduction Program

The Income Contingent Reduction repayment program was one of the first income-driven repayment programs designed to assist borrowers in repaying their student loans.  Although (ICR) is a student loan forgiveness program, it is first a repayment program that is completely based on a person’s income and expenses instead of the amount they owe. It not only has an incentivized reduced monthly payment component but it also provides long term relief in the form of student loan forgiveness for those who qualify. The Income Contingent Repayment program (ICR) is also the only income-driven repayment program that parent PLUS loan borrowers can qualify for. Here are some of the program’s key components:    

  • Capping monthly payments to 20% of discretionary income regardless of loan size and interest.
  • Payments can go all the way down to zero dollars per month ($0) and can possibly stay that way throughout the lifetime of your loan (*income and expenses are reanalyzed yearly and payments can be increased).
  • All remaining principle and interest not paid throughout the reduced payment plan can be forgiven after 300 months (25 years) even if nothing has been paid.
  • ICR can be coupled with the Public Service Loan Forgiveness program (PSLF) to shorten the forgiveness period from 300 months to 120 months (10 years).
  • It is the only student loan forgiveness program that parent PLUS loan borrowers can qualify for.
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.

CALL NOW 855-955-9598

See if you Qualify, 100% Free