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Has she asked the lender which ones are options for her loan(s)? Income Based Repayment (IBR), Income Senstive Repayment (ISR) and Income Contingent Repayment (ICR) are 3 different types of student loan repayment based on the income of the borrower and who the lender/what type of loan it is, as well as factors like debt:income ratio, family size, etc.

Thank you AJ. When the lender was asked, all the options were offered.
So we are trying to sort through the requirements for each...somewhat ambiguous but we are trying.

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