This calculator can help you determine if you – or you and your spouse if you are married – might qualify for Income-Based Repayment (IBR). This tool works best on a recent version of Firefox, Internet Explorer, Safari or other browser.
This calculator uses income as an approximation for Adjusted Gross Income (AGI). Results may therefore be less accurate for users whose income is significantly different from their AGI (for example, users who receive substantial dividends or interest from investments, users who receive alimony payments, users with self-employment deductions, and other situations listed here).
For married borrowers, the calculator also assumes that the couple files a joint tax return (not two individual returns), so that any dependents are claimed jointly.