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Income-Based Repayment (IBR) Student Loan Calculator

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Our Income-Based Repayment (IBR) calculator will show you how much you'll pay towards your student loans under this federal repayment plan. Income-Based Repayment (IBR) is available to federal student loan borrowers and helps make your monthly student loan payments more manageable. When applying for IBR, the government looks at your income, family size, and state of residence to calculate your monthly payments. Plug in some numbers and see how much you can save under IBR.

Personal Info
Adjusted Gross Income
Family size
State of residence
Annual Income Growth
Loan info
Were any of your federal student loans disbursed before July, 2014?
Total federal student loan balance
Current monthly payment
Avg. weighted interest rate

Is this federal program right for you?

Use our Income-Based Repayment (IBR) Calculator and see if you can save.

Fun Fact: (IBR) is one of four Income-Driven Repayment Plans offered by the government.

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