<prompt> Human: Hello, I was under the assumption that being on an income based repayment plan means your payments are capped at 15 of your income after housing and food, but right now I am being quoted at more than HALF of my income. Is this right? WHo can I speak to about this? Salliemae is proving very unhelpful.  <response>: IBR works a little differently than what youre thinking. It does not look at each individuals housing and food costs. Rather, the 15 youre thinking of is 15 of the difference between your AGI income and 1.5 times the Poverty Guideline for your family size and state. Essentially, the minimum payment is calculated by your income level and family size. There is a table on the 2nd page of this document that gives sample monthly payment amounts for various incomes and family sizes. 