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FCAA

FCAA

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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Membership Organization

The FCAA is a member-supported 501(c)(3) non-profit national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services. Learn more about our Mission.

866-278-1567
170 NE Second St, #1908
Boca Raton, FL 34429

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