ok but decided that an income based payment plan is what you want?
no well I'm not sure
What would be an income based contingent plan?
under these conditions it would be: Income - Contingent repayment plan ICR Plan
what they are and what they consist of REPAYE and ICR Plans
well these plans consist that the payment is always based on your income and the size of your family, regardless of any change in your income. This means that if your income increases over time, in some cases your payment may be more than the amount you would have to pay under the Standard 10-Year Payment Plan.
I understand and how my AGI is used
Did you file a federal tax return in the last two years?
no i haven't