[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-189717-105":53,"doc-detail-189717-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","income-driven-repayment","Income Driven Repayment","","This document provides an overview of income-driven repayment (IDR) plans for federal student loans in the United States. It aims to educate borrowers on the benefits and mechanics of these plans, which can significantly lower monthly payments based on income and family size. The document outlines the general principles of IDR, emphasizing that payments are typically a percentage of disposable income, not the total loan amount. It details how a borrower's calculated payment is determined, considering their Adjusted Gross Income (AGI), family size, and the total amount of their federal student loans. The text highlights that under IDR plans, any remaining loan balance may be forgiven after a certain repayment period, typically 20 or 25 years, depending on the specific plan and when the loans were first disbursed. It also touches upon the potential tax implications of this forgiveness. The document likely serves as an informational guide for borrowers seeking more manageable repayment options and potential debt relief. The content is designed to be accessible to a broad audience of federal student loan holders.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/income-driven-repayment/189717/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/income-driven-repayment/189717.png","ImageObject",442,249,{"name":88,"@type":89},"Connor ","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-09-29","2026-09-03",true,{"@type":98,"interactionType":99,"userInteractionCount":73},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What are income-driven repayment plans?","Question",{"text":108,"@type":109},"Income-driven repayment plans are a type of federal student loan repayment plan that can make your monthly loan payments more affordable by basing them on your income and family size.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"How is my monthly payment calculated under an IDR plan?",{"text":113,"@type":109},"Your monthly payment is typically calculated as a percentage of your discretionary income, which is the difference between your Adjusted Gross Income (AGI) and 150% of the poverty guideline for your family size.",{"name":115,"@type":106,"acceptedAnswer":116},"What happens to my loan balance after making payments on an IDR plan?",{"text":117,"@type":109},"After making qualifying payments for a set period (usually 20 or 25 years), any remaining loan balance may be forgiven.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},189717,1790671610,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":60,"file_id":130,"file_url":131,"file_type":132,"file_size":133,"view_count":73,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":35,"language":134,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":135,"faqs":136,"seo_title":137,"seo_description":61,"update_tm":138,"read_time":139},687207022233,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","cbCaiajQTMmxOY0z","https://ap.wps.com/l/cbCaiajQTMmxOY0z","pdf",973006,"English","# Income-Driven Repayment (IDR) Plans\n## Key Features of IDR Plans\n## Eligibility and Application\n## Repayment and Forgiveness","[{\"question\":\"What are income-driven repayment plans?\",\"answer\":\"Income-driven repayment plans are a type of federal student loan repayment plan that can make your monthly loan payments more affordable by basing them on your income and family size.\"},{\"question\":\"How is my monthly payment calculated under an IDR plan?\",\"answer\":\"Your monthly payment is typically calculated as a percentage of your discretionary income, which is the difference between your Adjusted Gross Income (AGI) and 150% of the poverty guideline for your family size.\"},{\"question\":\"What happens to my loan balance after making payments on an IDR plan?\",\"answer\":\"After making qualifying payments for a set period (usually 20 or 25 years), any remaining loan balance may be forgiven.\"}]","Income Driven Repayment | PDF",1788398755,6]