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If you have questions about a HEAL Program loan that is in default, contact the Debt Collection Center.
The monthly payments under ICR are calculated based upon your adjusted gross income, family size, and overall amount of Federal Direct loans.
At The Times' request, the Department of Education compiled data from its latest National Postsecondary Student Aid Study, which is conducted every three to four years with a representative sample of students — about 95,000 undergraduates in 2012, including 3,500 or so veterans.
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