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收入驱动还款计划

什么是收入驱动还款（IDR）计划？

收入驱动还款（IDR）计划是根据你的收入和家庭规模设定的每月学生贷款支付金额。

With an income-driven repayment plan, your monthly payment will most likely be a percentage of your discretionary income. 这个百分比会因人而异。

美国教育部联邦学生援助办公室提供四种收入驱动型还款计划：

还款计划——一般是你可支配收入的10%。
PAYE Plan - Generally 10% of your discretionary income, but never more than the 10‑year 标准还款计划 amount.
IBR Plan - Generally 10% of your discretionary income if you’re a new borrower on or after July 1, 2014*, but never more than the 10‑year 标准还款计划 amount. Generally 15% of your discretionary income if you’re not a new borrower on or after July 1, 2014, but never more than the 10‑year 标准还款计划 amount.
ICR计划-以下两者中较小者：你可自由支配收入的20%或你在12年的固定还款计划中支付的金额，根据你的收入进行调整。

每个收入驱动的还款计划都有自己的一套资格要求，在你被考虑参加IDR计划之前，必须满足这些要求：

REPAYE Plan - Any borrower with 符合条件的联邦学生贷款 can make payments under this plan.
PAYE Plan - To qualify, the payment you’d be required to make must be less than what you would pay under the 标准还款计划 with a 10-year repayment period. 你也必须是一个新的借款人。
IBR Plan - To qualify, the payment you’d be required to make must be less than what you would pay under the 标准还款计划 with a 10-year repayment period.
ICR Plan - Any borrower with 符合条件的联邦学生贷款 can make payments under this plan. 这个计划是唯一可用的收入驱动的还款选择PLUS贷款借款人有家属。

在任何以收入为导向的还款计划下，违约贷款都没有资格偿还。

是的。 You will need to 申请以收入为导向的还款计划 and recertify your plan each year to remain in the plan.

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