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INCOME CONTINGENT Repayment (ICR) Plan: This repayment plan is similar to the IBR; requirements and guidelines are the same, however, the repayment amount is calculated with different formulas.
NOTE: Specific loans will qualify for IBR only, whereas others will only qualify for ICR.
GRADUATED Repayment Plan: If client’s income is low now, but client expects it to increase steadily over time, this plan may be right for them.
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If your circumstances change at any time during your repayment period, your loan servicer will be able to help. Whom do I contact to get information about my loan? Will ED ever transfer my federally held loans to a different servicer?
Whom do I contact for information about my Federal Perkins Loan?
Here’s what you should expect if your loan is transferred to a new servicer: on your HEAL Program loan, contact your loan servicer for help with account-related questions.
Use the contact information your loan servicer provided to you.