Calculadora de Pago Basado en Ingresos — Fórmula

Income-Driven Repayment Plans

How Payments Are Calculated

Monthly Payment = (AGI - 150% of Poverty Line) x Plan% / 12

Plan Comparison

PlanPaymentForgiveness SAVE (REPAYE)10% discretionary20-25 years IBR15% discretionary25 years ICR20% discretionary25 years

Poverty Guidelines (2024, Continental US)

  • 1 person: $15,060
  • Each additional: +$5,380
  • Discretionary income = AGI minus 150% of the poverty line

    • Ejemplo Resuelto

    $50,000 AGI, single, $40,000 loans, SAVE plan (10%).

    1. Poverty line (1 person) = $15,060
    2. 150% of poverty = $22,590
    3. Discretionary income = $50,000 - $22,590 = $27,410
    4. Annual payment = $27,410 x 10% = $2,741
    5. Monthly payment = $2,741 / 12 = $228