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Income-based repayment or income-driven repayment is a method under which US federal student loan borrowers pay a percentage of their discretionary income for up to 20 or 25 years, after which the rest of his or her loans are forgiven. ==What is income-driven repayment?== Income-driven repayment is an umbrella term for three, specific repayment plans that are available in the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan Program. These three repayment plans are called Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income-Contingent Repayment (ICR).〔 As of 2015, there are five plans under the IDR umbrella: 1. Pay as you earn 2. IBR 3. PAYE/IBR Combo 4. IBR-14 5. ICR Payment amounts under the IBR Plan are generally 10% or 15% of discretionary income, but will never be more than the 10-year standard repayment amount. Whether a borrower pays 10% or 15% of discretionary income depends on when the borrower first started borrowing student loans. Payment amounts under the PAYE Plan are generally 10% of discretionary income, but will never be more than the 10-year standard repayment amount. Payment amounts under the ICR Plan are the lesser of 20% of discretionary income or a 12-year standard repayment amount adjusted based on the borrower's income.〔(【引用サイトリンク】title=The Latest Student-Loan Charade - WSJ )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Income-based repayment」の詳細全文を読む スポンサード リンク
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