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If you are struggling to afford federal student loan payments, an income-driven repayment plan may lower them. Your new monthly fee will be capped at 15%, 20% or 25% of your discretionary income, depending on which of the four financial gain-driven plans you select.
Use this calculator to estimate what your payment will be on various income-driven repayment plans. If your income is low enough, your debt may be reduced to $0 a month.
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