Income-Driven Repayment Charts
Every combination of adjusted gross income and federal balance in the library, showing the cheapest monthly payment available. The grid is built for the question borrowers actually ask — "what will I pay" — rather than for the plan mechanics that sit behind it.
| Balance | $20k | $25k | $30k | $35k | $40k | $45k | $50k | $55k | $60k | $70k | $80k | $90k | $100k | $120k |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $20,000 | $0 | $0 | $0 | $5 | $25 | $46 | $67 | $88 | $109 | $150 | $192 | $230 | $230 | $230 |
| $35,000 | $0 | $0 | $0 | $5 | $25 | $46 | $67 | $88 | $109 | $150 | $192 | $234 | $275 | $359 |
| $50,000 | $0 | $0 | $0 | $5 | $25 | $46 | $67 | $88 | $109 | $150 | $192 | $234 | $275 | $359 |
| $80,000 | $0 | $0 | $0 | $5 | $25 | $46 | $67 | $88 | $109 | $150 | $192 | $234 | $275 | $359 |
| $120,000 | $0 | $0 | $0 | $5 | $25 | $46 | $67 | $88 | $109 | $150 | $192 | $234 | $275 | $359 |
| $200,000 | $0 | $0 | $0 | $5 | $25 | $46 | $67 | $88 | $109 | $150 | $192 | $234 | $275 | $359 |
Reading the grid
How do I read the grid?
Rows are the federal loan balance, columns are adjusted gross income in thousands. Every cell holds the lowest available monthly payment for a single borrower at that combination, and clicking it opens the full four-plan comparison.
Why do payments stop rising at the top end?
They do not stop, but the ranking changes. Once 10% of discretionary income exceeds the ten-year standard payment, PAYE and IBR are capped and SAVE keeps climbing — so the cheapest plan flips from SAVE to a capped plan.
What interest rate do the charts assume?
A flat 6.8% federal rate for the standard-plan baseline. The income-driven payment itself never references the rate; it matters only for how much interest accrues before forgiveness.