IBRinfo was created by the Project on Student Debt, an initiative of The Institute for College Access & Success (TICAS), to help student loan borrowers learn about income-driven repayment plans and Public Service Loan Forgiveness (PSLF). TICAS is a nonprofit, nonpartisan research and policy organization: learn more about us here.

TICAS developed the policy framework and led the campaign that resulted in the Income-Based Repayment (IBR) plan, the first widely available income-driven repayment plan for federal student loans. IBR became law in 2007 and has been available to borrowers since 2009. TICAS research, analysis, and advocacy have also helped improve IBR and shape the subsequent plans modeled after it, Pay As You Earn (PAYE) and Revised Pay As You Earn (REPAYE)

The content of this website is the sole responsibility of TICAS. We make every effort to ensure that the information on IBRinfo is as accurate, complete, and up-to-date as possible, but we cannot guarantee that it is free of omissions or errors and bear no liability for how the content is interpreted or used, or for the content of any third-party links included in the site. IBRinfo does not offer legal advice and is not affiliated with the U.S. Department of Education or the federal government. If you have questions or comments about this site, please contact us.

This website focuses on IBR, PAYE, and REPAYE, the income-driven repayment plans that generally provide borrowers with the lowest monthly payments. For more information about the Income-Contingent Repayment (ICR) plan, visit the U.S. Department of Education’s webpage, http://StudentAid.gov/IDR.


An independent, nonprofit organization, The Institute for College Access & Success (TICAS) works to make higher education more available and affordable for people of all backgrounds. Our Project on Student Debt works to increase public understanding of rising student debt and the implications for our families, economy, and society. For more information, visit www.ticas.org or follow us on Twitter.


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