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The Financial Counseling Association of America

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Income Sensitive Repayment

The Income Sensitive Repayment Plan (ISR) allows borrowers with Federal Family Education Loan (FFEL) program loans to reduce monthly loan payments. The ISR plan takes a borrower’s income into consideration when establishing loan payments. Payments will change annually depending on changes to income. The Income Sensitive Plan is based on a ten year term.

Loans Eligible for Income-Sensitive Repayment

  • Subsidized FFEL Stafford Loans
  • Unsubsidized FFEL Stafford Loans
  • FFEL PLUS Loans
  • FFEL Consolidation Loans

Federal loans made in the Direct Loan Program are not eligible for Income Sensitive Repayment.

To check eligibility for the Income-Sensitive Repayment Plan, borrowers should contact their loan servicer.

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Repayment Plans

  • Standard Repayment
  • Graduated Repayment
  • Extended Repayment
  • Income Sensitive Repayment
  • Income-Based Repayment
  • Income-Contingent Repayment
  • Pay As You Earn
  • Revised Pay As You Earn (REPAYE)
  • Deferment & Forebearance
  • Loan Discharge
  • Student Loan Forgiveness for Teachers
  • Student Loan Forgiveness for Public Service
  • Perkins Loan Cancellation
  • Federal Consolidation
  • Federal Student Loan Default
  • Private Student Loan Options

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