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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.

Click Here for more on how to consolidate student loans.

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.

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