Can you tell me how do I apply for a repayment plan based on my income?
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