Re-Certification

Keep your student loan payments affordable by staying current with your annual Income‑Based Repayment (IBR) recertification. Federal student loan borrowers enrolled in Income‑Driven Repayment (IDR) plans — including IBR — must recertify their income and family size every year. This ensures your monthly payment is updated based on your current financial situation

📌 Why Recertification Matters

• Prevents your payment from increasing unexpectedly
• Keeps you eligible for IBR and IDR‑based forgiveness programs such as PSLF
• Ensures your payment reflects your most recent income and family size
• Avoids being bumped back to the standard 10‑year repayment amount if you miss the deadline

✔️ What We Do

Our service helps you complete the entire IBR recertification process correctly, on time, and with the maximum benefit to you:

• Review your income documentation (tax returns, pay stubs, or other approved proof)
• Determine whether early or on‑time recertification helps you save money (important if your income has recently decreased) [studentloa...lanner.com]
• Guide you through the online recertification form on StudentAid.gov
• Monitor deadline changes and notify you when action is needed
• Assist with family‑size updates to reduce monthly payments when applicable

🤝 Who This Service Helps

Borrowers enrolled in:

• Income‑Based Repayment (IBR)
• Pay As You Earn (PAYE)
• Income‑Contingent Repayment (ICR)
• SAVE (formerly REPAYE) — though SAVE has its own extension to Feb 1, 2026