9. A non-transitory computer readable storage medium comprising logic, the logic, when executed by a processor, operable to: calculate a user risk score associated with a user, the user risk score based on a user payment history; determine a question length correlating with a type of user device; determine a number of questions correlating with the risk user score; select a first subset of repayment questions from a set of repayment questions based on the determined question length and the determined number of questions; communicate, using a communication interface, the first subset of repayment questions to the user via a user device; receive answers to the first subset of repayment questions from the user via the user device; determine a second subset of repayment questions based on the answers to the first subset of repayment questions; communicate, using the communication interface, the second subset of repayment questions to the user via the user device; receive answers to the second subset of repayment questions from the user via the user device; perform a verification to determine whether the answers to the first subset of repayment questions are accurate by comparing the answers to the first subset of repayment questions to user information associated with the user; and determine a third subset of repayment questions if the verification indicates that the answer to one or more of the first subset of repayment questions is not accurate; communicate, using the communication interface, the third subset of repayment questions to the user via the user device; receive answers to the third subset of repayment questions from the user via the user device; determine a plurality of repayment plans based on the user risk score, the answers to the first subset of repayment questions, the answers to the second subset of repayment questions, and the answers to the third subset of repayment questions; and communicate, using the communication interface, one or more of the plurality of determined repayment plans to the user via the user device.
10. The logic of claim 9 , wherein to communicate the one or more of the plurality of repayment plans to the user via the user device, the logic is further operable to communicate a highest priority repayment plan of the plurality of payment plans.