Online IDR Applications Are Now Available

On Feb. 18, 2025, a federal court issued a new injunction preventing the U.S. Department of Education from implementing the Saving on a Valuable Education (SAVE) Plan and parts of other income-driven repayment (IDR) plans. As a result, the IDR and online loan consolidation applications were temporarily unavailable.

However, as of March 26, 2025, the online IDR application is once again available for eligible borrowers to apply for the Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income-Contingent Repayment (ICR) Plans. The online loan consolidation application is also available again.

Although the IDR application is now available, loan servicers are still updating their systems in accordance with the court’s actions. Servicers will begin processing applications in the near future. 

COHEAO will continue to monitor these developments and will notify the membership of any changes.

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