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Take action to enroll in a plan to lower your payment and take financial control of your federal student loans. You can apply for an income-driven repayment plan using the simple, fast online application available from the U.S. Department Education. If you follow the link above to visit the Repayment Estimator, scroll down to 

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Loan repayment. Borrowing to fund your education is an investment in your future. However, this is an investment that must be repaid. Repaying your student loans establishes your financial independence and credit history. It is very important that you manage your loan payments carefully—failing to repay as agreed can