Not qualified for IDR

General
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Hello, I received the following notification when I applied for IDR: “You do not have any eligible loans.” You are unable to use StudentAid.gov to finish the IDR Plan Request, according to the information we obtained from the National Student Loan Database System (NSLDS)." Thus, why?

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This usually means there might be a mix-up with how your loans are listed or reported. I had a similar issue, double-checking my loan details and updating them with my loan servicer fixed it. Maybe give that a try as well…

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Seeing the notification “You do not have any eligible loans” on StudentAid.gov while applying for Income-Driven Repayment (IDR) can be frustrating. Here’s why you might be encountering this message and what steps you can take:

Possible Reasons for Ineligibility:

  • Loan Type: Not all federal student loans qualify for IDR plans. For instance, private loans and Perkins Loans generally don’t qualify.
  • Default Status: Loans in default are usually ineligible for IDR until they’ve been rehabilitated.
  • Consolidation: If you’ve recently consolidated your loans, the information might not be updated in the National Student Loan Data System (NSLDS) yet.
  • Repayment Status: If you’re currently repaying your loans under a different plan (like Standard Repayment), they might not show as eligible for IDR right away.

What You Can Do:

  • Verify Loan Details: Check your Federal Student Aid dashboard at StudentAid.gov to confirm your loan types and statuses.
  • Contact Your Loan Servicer: Reach out to them for specific details about your loan eligibility for IDR plans.
  • Allow for Updates: If you recently consolidated your loans, wait a few days (usually 7-10 business days) for the NSLDS to update.
  • Use Alternative Application: Consider submitting the downloadable IDR application form via mail if necessary.
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What an interesting question you have there.