If your account shows a $0 monthly payment, don’t worry—this can happen under federal repayment programs like IDR (Income-Driven Repayment).
Here’s what it means:
Based on your income and household details (like family size, location, or marital status), the government doesn’t expect you to pay anything right now.
A $0 payment still counts as an active repayment. You’re in good standing, and your progress toward forgiveness continues as long as you stay enrolled.
You’ll need to submit your application to ensure you’re officially approved for a $0/month plan. Without submitting, the plan won’t go into effect.
Each year, you’ll recertify your income. If your situation changes, your payment may adjust too.
These plans are designed to match your financial situation—and for lower-income borrowers, that can mean $0/month.
Still have questions? We’re happy to help.