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What is the policy on income driven repayment plans for student loans?

For student loans associated with an income-driven repayment (IDR) plan, the student loan payment, as listed on the credit report, is the actual payment the borrower is making and that payment should be used in qualifying. Any future increases in the IDR payment will be tied to similar increases in the student’s income, mitigating concerns that IDR payments may create payment shock.

For additional information on student loan payments, see B3-6-05, Monthly Debt Obligations.

This content was curated directly from Ask Poli customer inquiries to provide clarity and guidance on trending topics. See FAQs: Student Loan Debt Requirements for more related questions.

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