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Title:FinAid: Income-based repayment
Short Description:The Income-Based Repayment (IBR) plan was proposed as part of the College Cost Reduction and Access Act of 2007 and will become available on July 1, 2009. Income-based repayment is intended as an alternative to income sensitive repayment (ISR) and income contingent repayment (ICR).
Annotation:The Income-Based Repayment (IBR) plan was proposed as part of the College Cost Reduction and Access Act of 2007 and will become available on July 1, 2009. Income-based repayment is intended as an alternative to income sensitive repayment (ISR) and income contingent repayment (ICR). (Both ISR and ICR plans will continue to exist.) It is designed to make repaying education loans easier for students who intend to pursue jobs with lower salaries, such as careers in public service. It does this by capping the monthly payments at a percentage of the borrower's discretionary income, which is based on the borrower's income and family size, not the total amount borrowed. The monthly payment amount is adjusted annually, based on changes in annual income and family size
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Associated Keywords:
Borrowing/Student Debt
Financial Aid, Affordability, Tuition, and Costs
Loan Forgiveness Programs

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