Find information on Student Loan Repayment at: https://studentloans.gov/myDirectLoan/index.action
If your student loan debt is high but your income is modest, you may qualify for the Income-Based Repayment Plan (IBR). Most major types of federal student loans—except for PLUS loans for parents—are eligible for IBR.
This website describes the Income-Based Repayment (IBR) Plan for federal student loans. Included is information regarding the IBR eligibility requirements, the benefits of IBR, an IBR payment calculator, and some examples of how a borrower's monthly student loan payment amount can be reduced under IBR.