<prompt> Human: More details: I was on an income based payment plan. Payments right at 40 a month. I am assuming that at some point I was sent notice that it needed recertified. I use paperless so I went through all my emails from them, nothing is standing out yet but I am still looking. Anyway, the income based repayment ended and this month instead of pulling 40, they pulled 1500. My account is now in the hole. The bigger problem is that my paycheck is being directly deposited tomorrow. At that point there will be enough money in the account to send to them. I dont have overdraft protection so it should bounce back. Ive contacted the bank simple bank and the fedloan servicing customer contact lines and let them know I cannot have this much money go missing. I am looking for how to recertify for the income based payment plan. Is there any way to prevent half my monthly paycheck from disappearing on me tomorrow so I can pay for my bills?  <response>: You have to apply every year at 