Student Loan Types and Income-Driven Repayment (IDR) Eligibility
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Student Loan Types
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IBR (2009)
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PAYE
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SAVE (formerly REPAYE)
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IBR (2014)
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Federal Direct Loans
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Unsubsidized
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Eligible
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IF 1
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Eligible
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IF 2
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Subsidized
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Grad Plus
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Consolidation
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Federal Non-Direct Loans
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FFEL
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Eligible
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IF 1,3
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IF 3
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IF 2,3
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Perkins
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IF 3
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IF 1,3
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IF 3
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IF 2,3
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HPSL
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IF 3
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IF 1,3
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IF 3
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IF 2,3
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LDS
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IF 3
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IF 1,3
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IF 3
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IF 2,3
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Non-federal Loans
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Private
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Ineligible
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Ineligible
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Ineligible
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Ineligible
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Institutional
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Family
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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 depends on meeting the new borrower requirements.
FFEL = Federal Family Education Loans
HPSL = Health Professions Student Loans
LDS = Loans for Disadvantaged Students