You don’t have to reapply for the plan, but each year you must provide your loan servicer with updated
income documentation and certify your family size on the Income-Driven Repayment Plan Request.
Generally, this will be around the same time of the year that you first began repayment under the incomedriven
plan that you selected. Your loan servicer will notify you in advance of the annual deadline for providing
updated income information and certifying your family size.

It’s important for you to provide the required information by the specified annual deadline. If you miss the
deadline, you’ll remain on the same income-driven repayment plan, but your monthly payment will no longer
be based on your income. Instead, your required monthly payment amount will be the amount you would pay
under a Standard Repayment Plan with a 10-year repayment period, based on the loan amount you owed
when you initially entered the income-driven repayment plan. In addition, if you are repaying under the IBR
Plan or the Pay As You Earn Plan, any unpaid interest will be capitalized (added to the principal balance of
your loans). This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal amount.

For more information go to the Income-Driven Repayment Plans: Frequently Asked Questions Website