Business

Partner analysis sandbox

Ready: 60%
Balance: Pending
Income: $72,000
Loans: 0

API docs

Sandbox

Partner request workflow

Profile

Borrower details

Analysis date

State

Poverty region

Marital status

Tax filing status

Annual income

Spouse income

Include spouse income

Family size

Dependents

Graduated and Extended eligibility

RepayIQ uses the uploaded loan export for current balances and loan dates. These questions cover historical account details the export cannot always prove. Choose "I can't confirm this" instead of guessing.

When did the first Direct Loan enter repayment?

Use the earliest Loan Entered Repayment Date across every Direct Loan, including loans already paid off.

RepayIQ fills this from the uploaded export when the date is available. Otherwise check the borrower's complete loan details on StudentAid.gov.

Was there an existing Direct Loan balance at the 1998 cutoff?

Choose No prior balance only if the borrower had no outstanding Direct Loan principal or interest on Oct. 7, 1998, or when receiving a Direct Loan after that date.

This is a historical Direct Loan test, not the current balance. Review the complete StudentAid.gov loan history or ask the servicer if the payoff timing is unclear.

FFEL repayment eligibility

Was there an existing FFEL balance at the 1998 cutoff?

Choose No prior balance only if the borrower had no outstanding FFEL principal or interest on Oct. 7, 1998, or when receiving an FFEL loan after that date.

FFEL loans are older federally backed loans that may have a separate holder. Review the complete loan history or ask each FFEL holder if the payoff timing is unclear.

Expected total gross income per month

Only used for FFEL Income-Sensitive repayment. Enter expected income before taxes and deductions from employment and other sources.

Use recent pay statements or divide expected annual gross income by 12. Leave blank when the borrower has no FFEL loans.

Income-Based Repayment (IBR)

Did an earlier federal loan balance exist when the borrower received a loan on or after July 1, 2014?

The lower 10% IBR formula applies when the first federal loan was after July 1, 2014, or no Direct or FFEL balance remained when a new Direct Loan was received after that date.

Review the complete loan history, including paid-off loans. Choose I can't confirm this when historical payoff timing is unavailable.

REPAYE payments made since July 1, 2024

Enter the number of qualifying monthly payments credited specifically under REPAYE on or after July 1, 2024.

Enter 0 if there were none. Use the servicer payment history or request the count from the servicer; do not estimate it from elapsed months.

Original 10-year Standard amount (current IBR only)

This is the monthly 10-year Standard payment calculated when the borrower entered IBR, not the current IBR payment.

Leave blank for a new IBR enrollment; RepayIQ calculates it from the uploaded loans. For an existing IBR account, use the original IDR approval or ask the servicer for the 10-year Standard payment amount used to cap IBR.

Parent PLUS consolidation transition

Did every Parent PLUS consolidation receive a qualifying IDR payment?

Answer only for outstanding Direct Consolidation Loans that repaid Parent PLUS debt. Every affected loan must have at least one ICR, PAYE, or IBR payment credited on or after July 4, 2025.

Check each affected consolidation's servicer payment history. Choose I can't confirm this if any loan's history is unavailable.

Pay As You Earn (PAYE)

Was the borrower in PAYE on July 1, 2024 and continuously afterward?

A related administrative forbearance counts as remaining associated with PAYE; switching to another repayment plan means the borrower left PAYE.

Check the current repayment plan and plan-change history in the servicer account.

Does the borrower meet both PAYE loan-timing requirements?

Both must be true: no outstanding Direct or FFEL balance when becoming a new borrower on or after Oct. 1, 2007, and a qualifying Direct Loan disbursement on or after Oct. 1, 2011.

Use the full loan history, including paid-off loans. RepayIQ reads disbursement dates, but historical payoff timing may still require servicer confirmation.

Original 10-year Standard amount (current PAYE only)

This is the monthly 10-year Standard payment calculated when the borrower entered PAYE, not the current PAYE payment.

Use the original PAYE approval or ask the servicer for the 10-year Standard payment amount used to cap PAYE. Leave blank unless the borrower is currently in PAYE or a related forbearance.

Income-Contingent Repayment (ICR)

Was the borrower in ICR on July 1, 2024 and continuously afterward?

A related administrative forbearance counts as remaining associated with ICR; switching to another repayment plan means the borrower left ICR.

Check the current repayment plan and plan-change history in the servicer account.

Original 12-year fixed payment amount (current ICR only)

This is the 12-year fixed-plan amount used when the borrower entered ICR, not the current ICR payment.

Leave blank for a new ICR enrollment; RepayIQ calculates it from the uploaded loans. For an existing ICR account, use the original approval or request the historical 12-year fixed payment amount from the servicer.

Joint ICR election

Select this only when the married borrower and spouse are choosing to repay eligible Direct Loans together under ICR. This is separate from filing taxes jointly.

Borrower and spouse elect joint ICR repayment

Joint ICR requires spouse income, the spouse's eligible Direct Loan balance, and the spouse's 12-year fixed payment amount.

Document screening

Other federal programs

0 of 19

Work and service

Have you worked for a government or qualifying nonprofit employer?

Have you completed or are you completing qualifying teaching service?

Are you performing, or have you recently completed, active-duty military or qualifying National Guard service?

Do you need another military or national-service benefit, such as SCRA, National Guard or DoD forbearance, or AmeriCorps relief?

Discharge and payment relief

Do you have a total and permanent disability that may affect repayment?

Did your school close, withhold a refund, mislead you, or improperly create or certify a loan?

Are you receiving means-tested public assistance, serving in the Peace Corps, already approved for this deferment under another federal loan program, or working full time with very low income?

Are you receiving unemployment benefits, or are you unemployed or working less than full time while diligently seeking full-time work?

Do your required monthly student loan payments create a high debt burden compared with your monthly income?

Are you receiving, or scheduled to receive, treatment for cancer?

Do you need a temporary pause or reduction because you cannot make the current payment?

Loan and enrollment status

Are you enrolled at least half-time at an eligible school?

Are you participating full time in a graduate fellowship program?

Are you participating in a rehabilitation training program for a disability?

Is a student for whom you borrowed a Parent PLUS Loan enrolled at least half-time at an eligible school?

Are any of your federal student loans currently in default?

Has your school told you that you inadvertently received federal loans above an annual or aggregate loan limit?

Do you or your spouse want to revoke consent previously given for Federal Student Aid to access federal tax information for an income-driven repayment application?

Do you have a joint consolidation loan that may need to be separated?

Integration

Partner workflow

Hosted calculator

Preview

Server API

Ready

Document handoff

Active

Persistence

Adapter