In general, to receive LRAP assistance on any loan, it must be on a 10+ year repayment term.
For any federal loans, assistance is calculated after taking into account any federal income-driven repayment plan for which a graduate qualifies (e.g., Pay-as-You-Earn or Income-Based Repayment). That said, graduates are not required to enroll in such a program. Some graduates will choose to make over-payments on their monthly payment amounts, to pay their loans off sooner with the understanding that LRAP assistance will only be provided on the required portion of that amount.
You can view your current eligibility for these programs and sign up by visiting the U.S Department of Education website, signing in, and submitting a Repayment Plan Request. If you do not know your Federal Student Aid PIN, you can find it here.
Also, if you are married (or soon plan to be), please keep in mind your eligibility for Federal Income-Driven Repayment (IDR) plans is influenced by whether you file your taxes as married filing separately or jointly. You are welcome to file in either status, understanding we will calculate your assistance as if you filed “married filing separately”, which often offers the lowest required monthly payment – the amount we use when calculating assistance. We suggest you consult a tax advisor if you have any questions regarding your specific tax situation.