You have t submit an application which is known as the Income-Driven Repayment Plan Request form
Got it. Another question.  How do I apply for an income-driven repayment plan?t  . so I need to make 3 payments before consolidating or how does that work?
You need the payments to consolidate then the required payment amount will be determined by your loan holder
What should I do if someone contacts me and wants to charge me fees to get my federal student loan out of default?