I am graduating this coming May and I'm planning on applying for an income-based repayment for my federal loans (probably going with REPAYE or PAYE). I understand that they calculate monthly payments based on your tax return (adjusted gross income). I was told to file a tax return this year, even though I didn't make any money (therefore, AGI is $0), so my payments will be low to none for the first year. I tried applying through an E-file software (Turbotax), but they won't let me e-file due to entering a $0 AGI, but I can still mail in my form. I'm just wondering if anyone has any advice on how to navigate this process or can let me know what you're experience is. How would they calculate monthly payments if you DIDN'T file a tax return? I'm assuming then you would not be able to apply for REPAYE or PAYE without a current tax return on file? It's my first time filing taxes for myself, so I'm honestly kind of overwhelmed, especially when trying to plan for my future student loan payments. Thanks everyone!