Pslf&Ibr

Public Service Loan Forgiveness and Income-Based Repayment Gail McLarnon Kristie Hansen U.S. Department of Education

College Cost Reduction and Access Act of 2007 ,[object Object],[object Object],[object Object],[object Object],[object Object]

Negotiated Rulemaking ,[object Object],[object Object],[object Object],[object Object]

Public Service Loan Forgiveness –§685.219 ,[object Object],[object Object],[object Object],[object Object]

Loans Eligible for Public Service Loan Forgiveness ,[object Object],[object Object],[object Object],[object Object]

Loans Eligible for Public Service Loan Forgiveness ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Repayment Plans Under Which 120 Payments Must be Made ,[object Object],[object Object],[object Object],[object Object]

Eligible Public Service Jobs for Loan Forgiveness ,[object Object],[object Object],[object Object]

Definition of Public Service Organization ,[object Object],[object Object],[object Object],[object Object],[object Object]

Definition of Public Service Organization (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Definition of Public Service Organization (cont.) ,[object Object],[object Object],[object Object],[object Object]

Definition of Public Service Organization (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object]

Eligible Public Service Jobs for Loan Forgiveness ,[object Object],[object Object],[object Object],[object Object]

Treatment of Lump Sum Payments from Americorps or Peace Corps ,[object Object],[object Object],[object Object]

Definition of “Full-time” for Qualifying Employment ,[object Object],[object Object],[object Object],[object Object]

Definition of “Full-time” for Qualifying Employment ,[object Object],[object Object]

Public Service Loan Forgiveness Process ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

[object Object],[object Object],[object Object]

Income-Based Repayment ,[object Object],[object Object]

Loans Eligible for IBR ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Borrower Eligibility ,[object Object],[object Object]

Calculating the IBR payment ,[object Object]

Calculating the IBR payment Borrower’s Income ,[object Object],[object Object]

Calculating the IBR Payment Borrower’s Income (cont.) ,[object Object]

Calculating the IBR Payment HHS Poverty Guidelines ,[object Object],[object Object],[object Object]

Calculating the IBR Payment Family size ,[object Object],[object Object],[object Object],[object Object]

Calculating the IBR Payment Sample Maximum Payments ,[object Object],Family Size 1 2 3 4 5 6 10,000 $0 $0 $0 $0 $0 $0 20,000 $47 $0 $0 $0 $0 $0 30,000 $172 $102 $32 $0 $0 $0 40,000 $297 $227 $157 $87 $16 $0 50,000 $442 $352 $282 $212 $141 $71

Calculating the IBR Payment Special Rules ,[object Object],[object Object]

Calculating the 10-year Standard Repayment ,[object Object]

Comparison of IBR and Standard Repayment Amount ,[object Object],[object Object]

Example 1: Eligible for IBR ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Example 2: Not Eligible for IBR ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Online help ,[object Object],[object Object],[object Object]

IBR Process ,[object Object],[object Object],[object Object],[object Object]

IBR Process (cont.) ,[object Object],[object Object],[object Object]

Subsequent Years ,[object Object],[object Object]

Subsequent years (cont.) ,[object Object],[object Object],[object Object]

Subsequent years (cont.) ,[object Object],[object Object]

Subsequent Years (cont.) ,[object Object],[object Object],[object Object],[object Object]

Subsequent Years (cont.) ,[object Object],[object Object]

Interest Subsidy ,[object Object]

Loan Forgiveness ,[object Object],[object Object],[object Object]

Loan Forgiveness (cont.) ,[object Object],[object Object],[object Object],[object Object]

[object Object],[object Object],[object Object],[object Object], Changes in Regulations

Advantages of IBR ,[object Object],[object Object],[object Object],[object Object]

IBR Disadvantages ,[object Object],[object Object],[object Object]

Next.. ,[object Object],[object Object],[object Object],[object Object],[object Object]

Contact Information ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Emergency Preparation ,[object Object],[object Object],[object Object],[object Object]

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