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Here are the student loan repayment plans that qualify for student loan forgiveness: The Income Based Repayment Plan (IBR) is one of the most common repayment plans borrowers switch to if they are having financial hardship.

If you have loans from July 1, 2014, you payment will not be higher than 15% of your discretionary income.

The Income Contingent Repayment Plan (ICR) is a little different than IBR or PAYE.

There are no initial income requirements for ICR, and any eligible buyer may make payments under this plan.

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