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Am I Eligible For An IDR Plan For My Federal Student Loans?

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Updated 1/19/2024

Income-Driven Repayment (“IDR”) Plans can be an attractive option for federal student loan borrowers. These plans can make monthly payments more manageable, and offer forgiveness after a term of years. Eligibility depends upon a variety of factors, and must be determined on a case-by-case basis.

This flowchart helps guide your clients that hold federal student loans through the IDR options that may be available to them, and covers:

  • Loan type and timing issues
  • Financial hardship requirements
  • Monthly payment amounts
  • Loan repayment terms
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— An advisor is Texas
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— An advisor in Utah
“fpPathfinder is a great tool! It mirrors much of what I've developed on my own for tax planning, life events, etc. However, it's been great to double-check my own work in those areas and also to motivate me to deepen my knowledge on other topics”
— Jonathan, an advisor in Colorado
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— Chris, an advisor in Illinois
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