This report analyzes repayment patterns for federally supported student financial aid distributed through the William D. Ford Federal Direct Loan Program (FDLP), which includes an income-contingent repayment (ICR) plan that ties borrowers' monthly payments to income, family size, and loan amount. This report analyzes 3 year usage of ICR in relation to three other repayment plans generally available to FDLP borrowers: standard repayment, extended repayment, and graduated repayment. The report notes that 9 percent of borrowers (n=56,298) were using ICR; of that group about 80 percent were current in monthly payments. ICR borrowers tended to be delinquent or in default at higher percentages than borrowers using other repayment plans. Borrowers who had been placed in the ICR program because of prior defaults on other types of loans were the major factor in this higher rate of delinquency. The report also noted that comparing estimated total loan payments of ICR users with borrowers using other repayment plans was complicated. Also noted were the two methods used by the Department of Education to check reported income of ICR borrowers. Appendices include information on scope and methodology; FDLP loan data; schools attended by borrowers; and delinquency and default rates of FDLP borrowers. (CH)