Another question I have is what should I do to request an income-based payment plan?
To apply for an Income-Driven Repayment Plan you will have to complete the paper application and provide a paper copy of your most recently filed federal income tax return or IRS tax return transcript.
There's one more thing I'd like to say to about the Federal Loans. What types of loans are subsidized?
there are the federal subsidized Stafford Loans