Income-Driven Repayment (IDR) Estimator
This income-driven repayment (IDR) estimator gives a ballpark monthly payment for US federal student loans based on your income, family size and plan type — using the same general shape most IDR plans follow: a percentage of income above a protected threshold. Enter your details to see an estimate before applying.
Your adjusted gross income (AGI), the figure IDR plans actually use.
Including yourself — affects the poverty guideline used in the formula.
Different IDR plans use different percentages and income-protection thresholds — check your specific plan's current terms.
Estimated monthly payment
सेव करने के लिए लॉग इन करें$270
Based on your income, family size and plan's discretionary income percentage.
Frequently asked questions
Is this my exact IDR payment?+
No — it's a planning estimate using the general IDR formula shape. Your loan servicer calculates your actual payment using your specific plan's current published percentage and threshold, verified against your tax return.
Does a lower IDR payment mean I pay less interest overall?+
Not necessarily — a lower monthly payment often means a longer repayment period, which can mean more total interest paid over the life of the loan, even though forgiveness after a set number of years is available on some plans.
What income figure should I use?+
Your adjusted gross income (AGI) from your most recent federal tax return — this is what loan servicers actually verify, not your gross salary before other adjustments.
