user: Hi, what if I don't certify my income and my family size before the annual deadline?[NEWLINE]agent: Please note that it is important that you certify your income and family size by the specified annual deadline[NEWLINE]user: Ok, I understand, but if I don't recertify my income before the deadline, what will I do?[NEWLINE]agent: it would have consequences but they vary according to the plan[NEWLINE][BOUNDARY][NEWLINE]user: I understand but if I have not filed a federal income tax return in the last two years?[NEWLINE]agent: In that case, alternative documentation of your income will be used to determine your eligibility and calculate the amount of your monthly payment.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question about eligibility for the extended payment plan, how can I access this type of plan if I am a borrower of a Direct Loan Program?[NEWLINE]agent: To become eligible, you must have no outstanding balance on a Direct Loan as of October 7, 1998 or on the date you obtained a Direct Loan after October 7, 1998. You must also have more than $30,000 outstanding in a Direct Loan[NEWLINE]user: What options under the Extended Repayment Plan do I have I if I have more than $30,000 outstanding in an FFEL Program Loan?[NEWLINE]agent: In this instance, you can choose an Extended Repayment Plan for your FFEL Program Loan, you will not be eligible for the Plan if you have less than $30,000 in a Direct Loan[NEWLINE][BOUNDARY][NEWLINE]user: How can I utilize the Loan Simulator under the Extended Repayment Plan?