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How Student Loan Income-Based Repayment Is Calculated Income-driven plans can calculate payments based on your spouses income and debt as well as how much you earn. Income-Based Repayment IBR. Student Loans Making Them More Affordable Cbs News The term income-driven repayment describes a collection of plans that calculate a borrowers monthly student loan payment based on their income. Income based student loan repayment . Available income-based repayment plans include the Revised Pay as You Earn Repayment plan the Pay as You Earn Repayment plan the Income-Based Repayment plan and the Income-Contingent Repayment plan. If your payments are unaffordable due to a high student loan balance compared to your current income an IBR plan can provide much-needed relief. For borrowers who obtained their first loan after July 1 2014 payments are capped at 10 of discretionary income and cant exceed the payment amount for the standard repayment plan. Income-Based Repayment IBR is one of

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