If you have defaulted on your loans: Defaulted loans are not eligible for any of the IDR plans.However, you can rehabilitate those defaulted loans or consolidate them into one of these IDR plans.
If you borrowed Federal Family Education Loans (FFEL) for your own education: You can repay your FFEL loans under IBR, but you may be able to get lower monthly payments and a shorter repayment period by consolidating your FFEL loans into a Direct Consolidation Loan at and enrolling in PAYE or REPAYE.
(Click espanol to find a Spanish version of the on-line application). Be sure to meet the deadline for responding if you think there are problems with the consolidation or if you have decided you do not want to go forward.
The Department strongly encourages borrowers to apply on-line, but you may also download and print a paper application to submit by regular mail. Prior to July 1, 2006, married borrowers could choose to consolidate federal student loans from both spouses or jointly consolidate the loans of either spouse.
If you borrowed for your child's education: Parent PLUS loans are not eligible for IBR, PAYE, or REPAYE.
However, you can consolidate them into a Direct Consolidation Loan to repay them under the Income-Contingent Repayment (ICR) plan.