Statutory Income-Based Repayment (IBR) Active Dashboard
● IBR estimate on fileAn estimate under 20 U.S.C. § 1098e and 34 C.F.R. § 685.209. The figure can change. Track the servicer's schedule and the annual income recertification window. Nova Satus is not Federal Student Aid.
- Delinquency Immunity: As long as your annual recertification is kept current, your loans cannot enter default or be subject to administrative wage garnishment or tax offsets.
- 0% Interest Administrative Forbearance: If your loan servicer takes more than 60 days to process your annual recertification paperwork, they are mandated by federal law to place your loans in Administrative Forbearance at 0% interest until resolved.
- 11 U.S.C. § 523(a)(8) Good Faith Defense: Active enrollment and compliance with IBR serves as statutory proof of good faith under Fourth Circuit bankruptcy precedent (Frushour).
Recertifying income updates your statutory monthly rate and extends your deadline 365 days. If you do not recertify before the deadline, your monthly payment automatically spikes to the Standard 10-Year amount ($650+/mo) and all unpaid interest capitalizes.
Reads the loan disbursement, interest rate, servicer, and repayment status fields present in the file.
Or drop the .txt file here. The file is read in memory and is not kept.
- Log in to StudentAid.gov with your FSA ID.
- Click your name in the top right corner and select My Aid (or go to your Dashboard).
- Click the "Download My Student Data" button in the top right of the page.
- Save the text file to your computer or phone and upload it above.
Imported Federal Loan Portfolio:
Provide your household and employment details. This allows our engine to calculate your exact Federal Poverty Line (FPL) discretionary income and evaluate PSLF/Teacher forgiveness.
Employment & Forgiveness Qualifiers:
These are repayment estimates from your file. Submitting a request does not approve it. Your servicer reviews the request and decides.
By order of the U.S. Court of Appeals for the Eighth Circuit, the SAVE Plan (Saving on a Valuable Education) has been vacated and new enrollments are closed by the Department of Education. Borrowers in administrative forbearance or comparing income-driven options can review Income-Based Repayment (IBR) (20 U.S.C. § 1098e) and the statutory Repayment Assistance Plan (RAP). Program rules can change, and this page is not legal advice.
These plans are preliminary calculations based on your manually entered loan balance. Exact payments, interest capitalization subsidies, and forgiveness credit dates require your verified Department of Education NSLDS file.
Create a free account to store your evaluated loan plans. You'll receive automated 90, 60, 30, and 7-day reminders before your annual deadline, and you can log back in anytime to update your income with 1 click.
Invite your legal counsel to review your statutory IBR repayment calculations and official loan file. When your lawyer accepts or signs in, you are automatically added to their client roster.
Your official federal application packages have been pre-filled and verified for your loan servicer (Aidvantage).
New Monthly Payment: $75.48/mo • Projected Forgiveness: $16,840.00
Account Required to Proceed Past Estimate
FREE ACCOUNT REQUIREDYou have explored and received your personalized repayment plan estimate! To proceed past the estimate to official federal paperwork generation, lock in your chosen statutory plan, and access audit-ready OMB applications, please create a free account or sign in.
Creating an account securely stores your loan calculations, sets up your annual income recertification window alerts, and connects your case with legal compliance tracking.
Official Department of Education File Required to File
PREVENTS SERVICER REJECTIONBecause you entered your loan portfolio manually, your calculated repayment plan is a preliminary estimate. Loan servicers (Aidvantage, MOHELA, Nelnet) require exact 16-digit disbursement sequences, interest capitalization amounts, and servicer-linked loan IDs on official OMB Form 1845-0102. Applications submitted with unverified or guessed amounts face processing freezes or rejection.
To protect your credit and ensure legal acceptance, we will not charge you $49 for estimated paperwork. Instead, please download your official file from StudentAid.gov. It takes only 30 seconds and ensures your legal filing package is verified against official Department of Education loan records, audit-ready, and compliant.
Invite your lawyer directly. They'll receive full access to your verified loan records, statutory calculations, and court-ready exhibits, and your case will automatically appear on their docket.
To unlock your pre-filled Department of Education application packages (OMB 1845-0102 and OMB 1845-0110), complete your one-time $49 application fee.
Based on your verified Department of Education loan records, your fastest and safest filing option is 100% online portal upload. No postal mailing is required.
The IDR download is a Nova Satus cover plus official OMB 1845-0102 pages 1–9 (instruction pages 10–19 are omitted). Sign the blank signature line before you upload it:
Pre-filled with your chosen repayment plan, family size, state, and AGI. Includes full directory of servicer upload portals.
Pre-filled employer certification package with qualifying employer details and 100% tax-free discharge reference.
For the $10 fax, draw your signature in the box before you pay. A typed name is not accepted. You can also print the form and sign it in ink.
Attach a copy of your most recent federal IRS tax return (Form 1040) OR last two consecutive pay stubs if income changed.
For PSLF, you sign the borrower section. Your employer's authorized official signs the employment section. Nova Satus leaves both signature lines blank.
Start at StudentAid.gov/idr with your FSA ID. If you use the downloaded form instead, upload the signed PDF and income proof to Aidvantage:
TEST DESTINATION OVERRIDE: this $10 fax goes to 407-894-8559, not to a loan servicer.
📮 Option C: Free Print & Mail or Manual Fax (Fallback Only) Click to expand ↓
When to use: Only use mail or fax if you cannot access your online account or your servicer website is down. (Do not submit both online and by mail, as duplicates cause processing freezes).
Aidvantage IDR Fax: 866-266-0178
MOHELA Dedicated PSLF Fax: 866-222-7060
Keep fax transmission report as legal proof.
Aidvantage IDR Address:
Aidvantage, Attn: ED Loan Repayment, PO Box 300001, Greenville, TX 75403-3001
Send via USPS Certified Mail with Return Receipt.
Federal regulation (34 C.F.R. § 685.209) requires you to recertify your income and family size every 12 months. Missed recertifications result in interest capitalization and payment spikes up to the Standard 10-year amount.
• $10: e-Fax with a transmission receipt
Servicer generates an on-screen Reference / Tracking ID and sends an automated confirmation email.
Log in to your servicer and check Documents → Upload History. The status will show Received or In Review.
The request is submitted to your servicer. The servicer reviews it and decides whether to change your plan. A disclosure, if they approve one, states the payment.
📅 Annual IDR Income Recertification
Statutory compliance certification under 34 C.F.R. § 685.209 • Extends deadline 12 months
Federal regulation (34 C.F.R. § 685.209) requires you to recertify your income and family size every 12 months. Submitting your current figures recalculates your monthly repayment rate and extends your filing window for another year.
⚖️ Invite Professional to Review Your Portfolio
Connect your calculated IBR repayment options and loan records directly with your attorney or financial advisor.
When your professional accepts your invite, your case is automatically added to their active client roster. If they are new to Nova Satus, creating their account instantly links your file into their portal.
Invitation Successfully Sent!
An invitation email has been dispatched to .
💡 When your attorney clicks the link, they can sign in or create an account, and your loan portfolio will appear directly in their active client roster.
Sign before you pay
The free application is still at StudentAid.gov/idr. This $10 fax is only the paper form. Draw your signature. A typed name is not accepted.
Upload these only when the form sends you to Section 5B. Keep the packet small. One pay stub, one employer letter, or the most recent tax return is enough. For a tax return, the main Form 1040 pages or an IRS tax return transcript are enough, not every schedule. A pay stub or employer letter must be dated within 90 days of today. A FFEL loan, or no Section 5A consent, uses the tax return instead. If you and your spouse have no taxable income, you can skip the upload or attach a signed statement. Include your spouse's documents when your spouse has taxable income. PDF, JPEG, PNG, or an iPhone photo. Files are combined into one fax. The fax is not split. More than 20 income pages cannot be sent.