New IBR Calculator

A new calculator at will help student-loan borrowers estimate theireligibility for Income-Based Repayment (IBR), which becomes available July 1,2009.

While IBR will make loan payments more affordable for many,the draft regulations have a serious flaw for married couples when both spouses have student loan debt. As the rules currently stand, these couples will be expected to pay up to double the monthly loan payment of two unmarried borrowers in otherwise identical situations. This is because the draft rules assume each spouse has access to the couple's total combined income, without regard for the fact that that the other spouse is also making loan payments from the same income.

Thank you to the hundreds of you who have already submitted comments to the Department of Education asking them to fix this problem.

If you haven't yet submitted comments, there's still time. makes it easy to comment on the proposed regulations, but you must do so by August 14, 2008.

Downloadable IBRinfo Brochure

To help spread the word about Income-Based Repayment (IBR) and Public Service Loan Forgiveness (PSLF), we've produced an introductory brochure, which you can share withyour colleagues, students, employees, or anyone else who might be interested.

  • You can download our easy-to-print brochure and distribute copies yourself (just print it double-sided on a legal-sized sheet), or
  • You can email us at, and we will send up to 100 copies to your school or office free of charge. (Note: delivery may take up to 4 weeks)
(This message was sent to the IBRinfo mailing list on July 30, 2008.)  
Income-Based Repayment and Pay As You Earn are two ways to help keep monthly payments affordable based on your income and family size. Visit the Department of Education’s Repayment Estimator to find out what your payments might be.

register and stay informed

follow us on twitter - join us on facebook follow us on twitter join us on facebook
tell your friends about IBRinfo
Creative Commons License  
site by aeronet