Q: My cousin was convicted and sentenced to a minimum of 12 years in Michigan.
He has several student debt loans. He has never defaulted, but I believe has an IBR or IDR plan in place. Can something be done while he is incarcerated where the collection or reapplying for the IBR or IDR every year stops? Can the
interest stop until he is released?
A: I do not believe there are provisions exclusive to incarcerated individuals. I think he'll need to contact his student loan servicing agency, or have someone do it on his behalf through a power of attorney form. I would think it's a matter of certifying each year that he has no income (which would be true, most likely), and so his payments should be set at $0 for the duration of his incarceration.
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