Summary

As of March 26, 2025, online applications for income-driven repayment (IDR) plans are back online after a temporary suspension due to legal challenges involving the SAVE plan. While borrowers can now apply again, processing times may be delayed, and you may be placed in forbearance during the review period. This article outlines what you need to apply, how to submit the application either online or by paper, and what to expect after submission.

📝 How to Apply for an Income-Driven Repayment Plan

Income-driven repayment plans adjust your federal student loan payments based on your income and family size, and they can be a lifeline if you're struggling with repayment. Applying online through the official Federal Student Aid (FSA) website is the fastest method, typically taking 10 minutes or less. You’ll need to sign in at studentaid.gov using your FSA ID. Have your address, contact information, and most recent tax return ready. If your income has changed or you didn’t file taxes, other proof like pay stubs or employer letters may be required. You’ll also need to include your spouse’s income if you file taxes jointly. After submitting the application, you’ll see which repayment plans you qualify for and select one. Then, confirm the details and sign.

Takeaways:

• Online IDR applications reopened March 26, 2025, but expect delays due to SAVE lawsuits.

• Borrowers will be placed into administrative forbearance while applications are reviewed.

• Applying online is faster, but paper applications are still accepted via servicers.

• Required documentation includes tax info, income proof, and family size details.

• Annual recertification is required to maintain income-based payment amounts.

Key Terms

• Income-Driven Repayment (IDR): A repayment plan that calculates monthly student loan payments based on income and family size.

• Administrative Forbearance: A temporary pause on student loan payments during processing, during which interest may still accrue.

• SAVE Plan: A newer IDR plan is currently paused due to ongoing litigation.

• Recertification: The annual process of updating your income and family information to remain on an IDR plan.

Conclusion

If you’re overwhelmed by federal student loan payments, applying for income-driven repayment could reduce your financial burden. With online applications now reopened, it's a good time to act, even though processing might take longer than usual. Just be sure to gather the right documents and stay alert for your recertification deadline. And remember — you never have to pay anyone to apply for an IDR plan. Your servicer can walk you through it for free.