Payments usually start the month after you sign your CISA agreement, as long as you are making at least $40,000 per year. If you are making less than $40,000, your monthly payment will be $0.

Your payments are income-based, and calculated by multiplying your income share times your monthly gross income.

You’ll make payments until the end of your payment term, or until you pay back up to the payment cap, whichever comes first.

You can also pay off your CISA early by making accelerated payments or paying off the CISA in one lump sum.