I would like to ask, how can I request a payment plan based on income? Also, what if I have income that is tax-free or if I simply have no income at all?
You would have to mark it the online application or paper application and you are not required to supply further documentation.
Are their other repayment options if I do not want an income-driven repayment plan?
You would need to contact your loan servicer and discuss repayments options such as extending our repayment period or temporarily suspend your repayment through deferment or forbearance.