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      Application For Income-Driven Repayment Plans (IBR, ICR, PAYE, And REPAYE)

      If you do not want to apply online at StudentLoans.gov, you can fill out this form to apply for the income-based (IBR), income-contingent (ICR), Pay As You Earn (PAYE), and Revised Pay As You Earn (REPAYE) income-driven repayment plans.
      Updated: November 2, 2016

      Federal student loan borrowers may be eligible for repayment plans that base their monthly payments on their income and family size. You can apply for these plans at StudentLoans.gov or by filling out the form on this page.

      What It's For

      If you do not want to use the online application at StudentLoans.gov, fill out this form to apply for plans that take your income into account when determining your monthly payment: income-based repayment (IBR), income-contingent repayment (ICR), Pay As You Earn (PAYE), and Revised Pay As You Earn (REPAYE).

      Note: The related income-sensitive repayment (ISR) plan for Federal Family Education Loan Program (FFELP) borrowers has no specific application form. Talk to your servicer if you want to apply for ISR.

      What You'll Need

      • A list of all your student loans, and whether they are in the Direct Loan or FFEL program. If you complete your application online, all of your federal loans will be populated in the form for you. If you opt to complete the form by hand, be sure to double check the National Student Loan Data System (NSLDS®) to make sure you don't leave any loans out.
      • Proof of income, including copies of IRS Form 4506-T or 4506T-EZ, which will allow your loan holder to verify your income with the IRS. If you aren't required to file taxes or if your economic situation has changed substantially since your last filing, pay special attention to section 5 of this form, which covers other ways to document your income.

      Married Borrowers

      All married borrowers (including those who file separate federal income tax returns) must provide documentation of their spouse's income (certain exceptions do apply).

      About Your Income

      For this form, income means adjusted gross income, which is calculated in your annual tax return. Be sure to get the actual number—the "adjusted" part means it may be very different from what you normally think of as your income.

      Where To Send This Form

      Submit this form to your servicer (the company that sends you the bills). If you don't know who this is, you can go to the NSLDS to find out.

      Note: You can ensure that you receive the lowest possible income-driven payment by selecting "I request that my loan holder determine which of the above plans I am eligible for, and place me on the plan with the lowest monthly payment amount" under part 1a of Section 2 in this form

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      Solicitud de planes de devolución basada en ingresos (IBR, ICR, PAYE y REPAYE)

      If you do not want to apply online at StudentLoans.gov, you can fill out this form to apply for the income-based (IBR), income-contingent (ICR), Pay As You Earn (PAYE), and Revised Pay As You Earn (REPAYE) income-driven repayment plans.
      Actualizado: 3 febrero 2017

      Los prestatarios de préstamos estudiantiles federales pueden ser elegibles para planes de devolución que basan los pagos mensuales en sus ingresos y en el tamaño de la familia. Puedes solicitar estos planes ingresando en StudentLoans.gov o llenando el formulario que se encuentra en esta página.

      Para qué sirve

      Si no quieres usar la solicitud en línea en StudentLoans.gov, llena este formulario a fin de presentar tu solicitud de planes de pago que toman en consideración tus ingresos para determinar el pago mensual: devolución basada en ingresos (IBR), devolución sujeta a ingresos (ICR), Plan de Pago Según Sus Ingresos (PAYE) y Plan de Pago Según Sus Ingresos Revisado (REPAYE).

      Nota: El plan de devolución conforme al ingreso (ISR) relacionado para los prestatarios del Programa Federal de Préstamos para la Educación de la Familia(FFELP) no tiene un formulario de solicitud específico. Habla con tu administrador de préstamos si quieres presentar una solicitud para el plan de ISR.

      Lo que necesitarás

      • Una lista de todos los préstamos estudiantiles que especifique si están en el programa FFEL o Direct Loan. Si completas la solicitud en línea, todos tus préstamos federales aparecerán en el formulario. Si prefieres completar el formulario a mano, asegúrate de consultar el Sistema Nacional de Información sobre los Préstamos Estudiantiles (NSLDS®) para verificar que no hayas omitido ningún préstamo.
      • Comprobante de ingresos, incluidas las copias del Formulario del IRS 4506-T o 4506T-EZ, los cuales le permitirán al acreedor verificar tus ingresos con el IRS. Si no tienes que presentar impuestos o si tu situación económica ha cambiado considerablemente desde la última vez que lo hiciste, debes prestar especial atención a la sección 5 de este formulario, ya que cubre otras formas de documentar tus ingresos.

      Prestatarios casados

      Todos los prestatarios casados (incluidos los que presentan declaraciones de impuesto a la renta por separado) deben proporcionar documentación de los ingresos del cónyuge (aunque se aplican algunas excepciones).

      Acerca de tus ingresos

      Para fines de este formulario, "ingresos" significa ingresos brutos ajustados, los que se calculan en tu declaración anual de impuestos a la renta. Asegúrate de tener el número correcto. "Ajustado" significa que puede ser muy diferente a lo que normalmente considerarías como tu ingreso.

      Adónde enviar este formulario

      Envía este formulario a tu administrador de préstamos (la empresa que te envía las facturas). Si no sabes quién es, puedes acceder al NSLDS para averiguarlo.

      Nota: Puedes comprobar que has recibido el pago basado en ingresos más bajo posible seleccionando "Solicito que mi acreedor determine para cuál de los planes anteriores soy elegible y que me coloque en el plan con el monto de pago mensual más bajo" en la parte 1a de la Sección 2 de este formulario.

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