IBRinfo :: How do I get them?

How do I get them?

Income-Based Repayment (IBR)
Public Service Loan Forgiveness (PSLF)

Income-Based Repayment (IBR)

Contact your lender directly to apply for IBR. Since information about IBR is not always easy to find on lenders' web sites, here are links to the application and available information from the biggest student loan providers:

William D. Ford Direct Loan Program requires that you log in to their website to determine your eligibility before you can apply. Information about the program can be found here.
Sallie Mae requires that you log in to their web site to get their IBR application

Nelnet IBR application form and information.

Citibank IBR application form and information.

ACS IBR application form and information.

Access Group IBR application form and information.

Chase requires that you log in to their web site or call customer service (1-800-835-4611) to get the IBR application.

Wells Fargo requires that you call customer service to apply for IBR (1-800-658-3567).

If you do not know who your lender is, search the National Student Loan Data System database.

Public Service Loan Forgiveness (PSLF)

Our site reflects the U.S. Department of Education's current regulations. We will alert our registered users if and when new information becomes available to help you take maximum advantage of these new programs.

Track Your Eligibility

In January 2012, the Department of Education issued the long-awaited Employment Certification Form for Public Service Loan Forgiveness, which allows Direct Loan borrowers who work in public service to confirm periods of qualifying employment. This form creates an official record with the Department's PSLF servicer, and will help you stay on track towards loan forgiveness and ensure you have the right paperwork when it is time to apply.

Note: This is not the application for forgiveness, which is under development and will be available by the time the first borrowers could be eligible for PSLF Program forgiveness, in October 2017.

Visit the Federal Student Aid website for the Employment Certification instructions, fact sheet, and form.

Find out what you can do now to start the 10-year clock, including how to switch to the Direct Loan program if you need to.

How to switch to the Direct Loan program

If your federal loans are in the Guaranteed (FFEL) program — where your lender is a private entity like Sallie Mae or Citibank — you can consolidate into the Direct Loan program to qualify for Public Service Loan Forgiveness. Even if you have already consolidated your loans in the FFEL program, you may re-consolidate into the Direct Loan program to take advantage of this program.