Make Your Voice Heard and Learn More About IBR

Take Action Now for Real Loan Forgiveness

In addition to lowering monthly student loan payments, Income-Based Repayment (IBR) forgives any remaining debt -- including interest -- after 25 years of payments. Most borrowers will pay off their debt before then, but under current law, if there's anything left after 25 years, the amount forgiven would be taxed as income to the borrower. 

A bipartisan bill in the U.S. House of Representatives, H.R.2492, would prevent debt forgiven through IBR from being taxed as income. Loan forgiveness is supposed to wipe the slate clean for responsible borrowers, not create a new financial obligation.

Many of you have already taken action, helping to persuade over 20 Members of Congress to sign on in support of the bill. We need your help to bring more on board! If you haven't already, please take a moment to urge your representative to support H.R. 2492.

Take action!

Got Private Loans? Share Your Story.

Private student loans are risky and expensive, and they aren't eligible for IBR, Public Service Loan Forgiveness (PSLF), or other important consumer protections that come with federal student loans. Policymakers and the press are starting to pay attention to the plight of private-loan borrowers, so now is the time to make your voice heard! If you're interested in sharing your experience with private student loans, please fill out our Borrower Spokesperson form.  Reporters and legislative staff frequently ask us about specific types of borrowers, and we'll connect you when there's a fit.

Sign up to become a spokesperson

New August Webinars

Equal Justice Works, an IBRinfo partner, has added new webinars to their "Student Debt Relief" series. Topics include "Getting Your Student Loans Forgiven: How Government and Nonprofit Employees Can Earn Public Service Loan Forgiveness," a must for anyone with high student debt working for the government or a nonprofit, and "Counseling Students and Graduates about Income-Based Repayment and Public Service Loan Forgiveness," designed specially for school professionals including financial aid officers, student advisors, and career counselors.

Sign up for the financial aid professionals webinar Friday, August 14, 2009

Sign up for the financial aid professionals webinar Wednesday, August 19, 2009

Sign up for the public service loan forgiveness webinar Monday, August 17, 2009


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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.

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