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IBR Calculator

Income Based Repayment (IBR) is a new method for repaying your federal student loan debt. As of July 1, 2009, it will help make loan payments more manageable by calculating your payment amount based on your adjusted gross income (AGI) and family size. Use this calculator to see if you could qualify for IBR. You may also visit our IBR information page to read more about this repayment plan.


What is your estimated adjusted gross income (AGI)?
$
NOTE: This is the adjusted gross income as reported to the Internal Revenue Service (IRS). If you are a married borrower filing jointly, AGI should include both your income and your spouse's income, or if you are married and filing separately, only your income.
What state do you live in?
NOTE: If you are not a resident of a State identified in the drop-down menu, select Other.
 
What is your family size?
NOTE: Family size is determined by counting you, your spouse (if applicable), including unborn children who will be born during the year you certify your family size, if the children receive more than half their support from you. Your family size also includes other individuals if, at the time you certify your family size, the other individuals:
• live with you; and
• receive more than half their support from you and will continue to receive this support from you in the year you certify your family size.
Support includes money, gifts, loans, housing, food, clothes, car, medical and dental care and payment of college costs.
What is the total balance of all your federal student loans at the time you entered repayment?
$
NOTE: Your total balance includes loans from the William D. Ford Direct Loan Program and FFEL Program. Eligible loans include Stafford, SLS, GradPlus, or federal Consolidation loans that do not include Parent Plus loans.
What is the interest rate on your federal student loans?
%
NOTE: If you have multiple loans with different interest rates, estimate the average of all the interest rates. If you do not know your interest rate(s), enter 6.8%.



Need Help?

If you have questions or need assistance, you may contact our customer service department via e-mail at customerservice@edfinancial.com. Please include your account number so we may assist you with specific questions about your student loan account.


You may contact us by phone at 1-800-337-6884.

Hours of Operation
Monday through Thursday, 8:30 a.m. to 9:00 p.m. ET
Friday, 8:30 a.m. to 6:00 p.m. ET

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