Still worried about racking up debt at an online college and not being able to repay it? No worries. Income based repayment is here. What this means is that, if you qualify, your online college loan payments could be as low as $10 a month. Family size, income and Federal Student Loan debt are all factors that determine your eligibility and loan repayment amount. To preview your loan payment information, estimate the lowest amount of money that you might make after college, place that amount, your family size, and your federal student debt in this free online calculator: http://www.aie.org/College/Calculators/IBR/index.cfm and view the result!

IBR caps your monthly payments based on your income. Also, any remaining debt, including interest, will be forgiven after 25 years of payments. Non-profit employees, government workers, and teachers will be forgiven after 10 years of payments. IBR is available to anyone with a student loan. Even those who have acquired student loans in the past. A family of three earning $26,000 will pay nothing at all! For more information, IBRinfo.org is a great place to visit and learn more about Income Based Repayment.

This is great news if you’re still trying to contemplate college online, but you just don’t want the hassle of the loans afterwards. The idea of $40,000 in debt after college was a deterrent to my college ambitions. Imagine, $300 monthly payments on a $28,000 salary. Hopefully, I’ll make more, but there are no guarantees in life. Now, worry less, pay less, and finish college. To find out how more information on Income-Based Repayment, go here:

http://www.ibrinfo.org/how.vp.html.

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