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If your income later decreases so that your calculated IBR or Pay As You Earn payment amount is once again
less than what you would be required to repay under a 10-year Standard Repayment Plan, you can request
that your loan servicer base your payment amount on income. To do so, you must complete the Income-Driven
Repayment Plan Request and provide documentation of your income.
For more information go to the Income-Driven Repayment Plans: Frequently Asked Questions Website