Income-Driven Repayment (IDR) Plan Request (PAYE, IBR, and ICR) — William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Programs (OMB No. 1845-0102) Completed Form Examples and Samples
View detailed examples and samples of the filled-out Income-Driven Repayment (IDR) Plan Request form (OMB No. 1845-0102). Learn how to correctly complete the application for PAYE, IBR, and ICR plans for the William D. Ford Federal Direct Loan and FFEL Programs. Our guide helps you accurately report income and family size to lower your monthly student loan payments.
Income-Driven Repayment (IDR) Plan Request Example – Recent Graduate
How this form was filled:
This example shows how a single, recently graduated individual with a new job fills out the IDR Plan Request form. Because their current income ($65,000/year) is significantly higher than what was reported on their last tax return, they are providing alternative documentation (recent pay stubs). The applicant is requesting to be placed on the repayment plan with the lowest monthly payment amount.
Information used to fill out the document:
- Applicant's Name: Sophia R. Chen
- Social Security Number: XXX-XX-1234
- Date of Birth: 05/15/2001
- Permanent Mailing Address: 456 Oak Avenue, Apt. 2B, Anytown, CA 90210
- Phone Number: 555-123-4567
- Email Address: [email protected]
- Marital Status: Single
- Family Size: 1
- Reason for Submitting Documentation of Current Income: My income has significantly changed since I filed my last federal income tax return.
- Documentation Provided: Alternative documentation of income (e.g., pay stubs for the most recent 30 days).
- Current Annual Income: $65,000
- Repayment Plan Selection: I want to be placed on the repayment plan that has the lowest monthly payment amount.
- Signature: Sophia R. Chen
- Date Signed: 03/10/2026
What this filled form sample shows:
- Correctly filled out for a single applicant with a family size of one.
- Demonstrates the section for borrowers whose income has significantly changed since their last tax filing.
- Shows the use of alternative income documentation (pay stubs) instead of an IRS tax return.
- Includes the common selection to be placed on the plan with the lowest monthly payment.
- Provides a clear example for first-time IDR applicants after entering the workforce.
Form specifications and details:
| Form Name: | Income-Driven Repayment (IDR) Plan Request (PAYE, IBR, and ICR) |
| Official Form Number: | OMB No. 1845-0102 |
| Expiration Date: | Expires 01/31/2027 |
| Applicable Loan Programs: | William D. Ford Federal Direct Loan (Direct Loan) Program and Federal Family Education Loan (FFEL) Programs |
| Use Case: | Recent graduate with a significant income change applying for the first time. |
Created: February 13, 2026 01:30 AM
