IDR Eligibility


Student Loan Types and IDR Eligibility

Student Loan Types

IBR (2009)

PAYE

REPAYE

IBR (2014)

Federal Direct Loans

Unsubsidized

Eligible

IF 1

Eligible

IF 2

Subsidized

Grad Plus

Consolidation

Federal Non-Direct Loans

FFEL

Eligible

IF 1,3

IF 3

IF 2,3

Perkins

IF 3

IF 1,3

IF 3

IF 2,3

HPSL

IF 3

IF 1,3

IF 3

IF 2,3

LDS

IF 3

IF 1,3

IF 3

IF 2,3

Non-federal Loans

Private

Ineligible

Ineligible

Ineligible

Ineligible

Institutional

Family

1 For PAYE, you must be a new borrower as of October 1, 2007, and must have received at least one Federal Direct Loan disbursed after October 1, 2011.
2 For IBR (2014), you must be a new borrower as of July 1, 2014.
3 Federal Non-Direct Loans can be eligible for IDR if they are consolidated into a Federal Direct Consolidation loan.  PAYE and IBR (2014) eligibility still depend on meeting the new borrower requirements.

FFEL = Federal Family Education Loans

HPSL = Health Professions Student Loans

LDS = Loans for Disadvantaged Students


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