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
What happens if I didn't recertify my family size by the annual deadline?
This could result in an increased monthly payment amount. It could also result in the PAYE and IBR plans loss of eligibility to make payments based on income