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IBR monthly payment amounts can increase or decrease year over year based on changes to your income, family size, and location. https://images.squarespace-cdn.com/content/v1/5c7fd102f4755a1961d80961/1590607595573-QUSK5J49VWAT2FR017O8/data.jpg Income Based Repayment - Under the IBR Plan, your monthly payments are: Calculated based on your income & family size Adjusted each year, based on any changes to annual income and family size Never higher than the Full Monthly Payment Plan repayment amount at the time of election of IBR https://images.squarespace-cdn.com/content/v1/5c7fd102f4755a1961d80961/1590673424458-3544344F44GLN8WOEWK0/couple.png Income Based Repayment If you are married and you file a joint federal tax return with your spouse, the AGI includes both of your incomes. https://images.squarespace-cdn.com/content/v1/5c7fd102f4755a1961d80961/1590673441795-GHRRU1EKPNZ00O39XBED/math.png Income Based Repayment The annual IBR repayment amount is 15% of the difference between your AGI and 150% of the Department of Health and Human Services poverty guideline for your family size and state. https://images.squarespace-cdn.com/content/v1/5c7fd102f4755a1961d80961/1590674025870-RPL9R4CDIMZZV5EKTXM7/calendar2.png Income Based Repayment This amount is then divided by 12 to get the monthly IBR payment amount. 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