another question for you regarding  IDR plan . What if I recently had a decrease in income?
In that case you can apply to have your current IDR plan recalculated. You don't have to wait until your annual recertification is due.
Well, that's good to know. Can I get some temporary relief, too?
Of course. A deferment or forbearance allows you to temporarily stop making your federal student loan payments or temporarily reduce your monthly payment amount. This may help you avoid default.