Income Driven Repayment Plans

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What is an Income Driven Repayment Plan?

Income-driven repayment (IDR) plans cap monthly payments in proportion to your income, (10%, 15%, or 20%).

These plans particularly assist those with a high student loan balance compared to their income.

Those pursuing forgiveness will particularly benefit from income-driven repayment because the idea is to pay the least amount monthly to max out forgiveness potential in 10 years.

Chipper will walk you through the different IDR plans considering your income, marital status, and family size, comparing side-by-side the PROs and CONs of each plan.

Are you...

  • Struggling to make your monthly payment?
  • Currently eligible for a student loan forgiveness program?
  • On deferment or forbearance due to not being able to make payments?
Explore IDR Plans

Take Control of Student Loan Debt Your Way

Our impact



Members use Chipper

money stack


Student loan debt managed

Downward Trend


Average monthly payment decrease

Let's make chippin' your student loans easier.
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