For U.S. Federal Student Loans. This tool estimates potential eligibility based on Partial Financial Hardship (PFH). It is not an official determination.
Your Financial & Loan Information
IBR Eligibility Estimation
Calculation Details:
Adjusted Gross Income (AGI):
Family Size:
State Category:
Federal Poverty Level (for family size & state, 2024):
Discretionary Income (AGI - 150% of Poverty Level):
Estimated 10-Year Standard Monthly Payment:
Estimated IBR Monthly Payment (% of Discretionary Income):
Eligibility Assessment:
Estimates based on 2024 HHS Poverty Guidelines.
This is an unofficial estimate. Eligibility for IBR and actual payment amounts are determined by your federal loan servicer upon application. You must apply for IBR through StudentAid.gov or your servicer.
