I have a 14 year old joint loan with my ex….we submitted separate applications for IBR per instructions given by servicer….now being told that our incomes will be combined for purposes of calculating payment under IBR.

We have been divorced 14 years, our family sizes are different and we live in different states. Servicer states it was part of master promissory note, however, they do not have it on file and have had to request copies. Doesn’t sound right.

Just wondering if anyone can provide any insight into this.

Thank you in advance.