Are there any implications if I don't recertify my income and family size by the annual deadline?
In this instance, any unpaid interest will be capitalized added to the principal balance of your loans. This will increase the total cost of your loans over time, because you will then pay interest on the increased loan principal balance
What do I do if it happens that an income-driven repayment plan is not right for me?
You are advised to contact your loan servicer to discuss other repayment options. In this instance you may be able to extend your repayment period through what is known as the Extended Repayment Plan. You may also be able to qualify for a temporary repayment suspension through a deferment or forbearance