Income-Contingent Repayment (ICR)

Income-Contingent Repayment sets your monthly payment based on your income, family size, and total Direct Loan debt, with any remaining balance forgiven after 25 years.

Who qualifies

• You have Direct Loans, including Direct PLUS Loans made to students (Parent PLUS borrowers must consolidate first).
• You want the option with no partial-financial-hardship requirement to enroll.

How National Advisory helps

We run the ICR calculation against your income and family size, confirm it's the right fit next to IBR and PAYE, and keep your recertification current every year.