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Personal Finance

How do I recertify income-driven repayment?

Quick Answer

Submit annual IDR recertification at studentaid.gov before your servicer’s deadline. Use the IRS Data Retrieval Tool or alternative income docs if income has dropped. Missing it reverts you to Standard 10-year payments and capitalizes interest.

Steps to recertify income-driven repayment plan annually.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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