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The only difference is that in order to be eligible for income contingent loan repayment the borrower is not required to be facing a partial financial hardship.
Income based repayment vs income contingent repayment. By equal justice works staff writer march 23 2011. The payments are capped at either 20 percent of your monthly discretionary income or your current month payments times your income percentage factor whichever is the. If you re having a hard time making your monthly payments and have federal student loans one of the four plans above might help. In this article.
Federal reserve some 20 of consumers who have outstanding student loans are struggling to pay off that debt. Income contingent repayment plan icr this is the only income based repayment plan available to parent plus loan borrowers. You must consolidate your loans before qualifying. Income based repayment ibr income contingent repayment icr according to the u s.
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