Income-driven Repayment Estimator

What the Income-driven Repayment Estimator does

Income-driven repayment ties federal student loan payments to income. IBR charges a percentage of discretionary income above 150% of the poverty guideline; ICR charges 20% above 100%. The Repayment Assistance Plan (RAP), introduced in 2025 legislation, charges 1% to 10% of adjusted gross income by income band, less $50 a month per dependant, with a $10 minimum.

It also works as a student loan IDR estimator, a IBR calculator or a RAP calculator.

Formula

• IBR: (AGI − 150% of poverty) × 10% or 15% ÷ 12, capped at the 10-year standard payment
• ICR: (AGI − poverty) × 20% ÷ 12
• RAP: AGI × band rate (1% per $10,000 up to 10%) ÷ 12 − $50 per dependant, minimum $10

Worked example

Using the starting values in the calculator above:

How to read the result

Plan availability depends on when you borrowed and which loans you have; rules changed in 2025 and transition dates apply. Check StudentAid.gov for your options.

Married borrowers filing separately may be able to exclude a spouse’s income on some plans.

Federal repayment rules changed recently and depend on loan dates and types. Confirm your options on StudentAid.gov.

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