Before any application is made, you are advised to contact your loan servicer if you have any queries or questions. Your loan servicer will be able to advise you which plan is the correct one for you
How do I apply for an income-driven repayment plan?
You have t submit an application which is known as the Income-Driven Repayment Plan Request form
Is my AGI ever used during my income-driven repayment plan application?
Have you filed a federal income tax return in the past two years?
Yes I have
And may I ask, is your current income significantly different from the income that was reported on your most recent federal income tax return?
Yes, it's quite different
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How do I qualify for a PAYE and IBR Plan?