A. The government has 4 income-driven repayment plans to repay federal student loans: Income-based Repayment, Pay As You Earn (PAYE), Income-contingent Repayment and Revised Pay as You Earn (REPAYE). These plans set monthly payments between 10% and 20% of your discretionary income, which means that you can have a payment as small as $0, however the amount can change annually if there are changes in your income.  

If you have a private student loan, you will want to check with your lender to see what type of assistance they can provide you.